Not sure if you've already bought a home, or if you're still in the market, but now could be a good time if so! The holidays are a great time to purchase, because sellers on the market are serious, and there are less buyers out and about... They'd rather enjoy the holidays, which could work to your advantage! :) My husband is also active duty, and I served for eight years... I am also an El Cajon resident. I'd love to work with you as a team, if you're still in the market! -Melody... more
I was just looking through old post and I noticed yours. If you were not able to refinance at the time of the post, I can certainly help you out now. You can call me at 408-352-5147 or email me at AGreer@themortgageoutlet.com. You can check us out at http://www.TheMortgageOutlet.com. I will look at your situation and present you with some options.
The biggest issue with any lender is "how much skin you have in the game". In other words, how much you are putting down as a percentage towards the purchase of your new home. Often a poor credit score can be alleviated via a large down payment, such as a 80 / 20 loan to value ratio. Please feel free to contact me directly to go over your buying and selling needs and criteria. Thank you, Michael Robe 619 701 0309... more
640 is the lowest score that lenders will take so you are pretty close, but if you could get to 680 other opportunities would be available. Have you tried to improve your credit score? I know of a Credit Repair program that has an A+ rating at the BBB and a money back guarantee. They could most likely get that score up in a couple months and then you could qualify for the better programs.
Call me with any further questions I am always happy to help,
Keller Williams Realty