Credit Score in Charlotte : Real Estate Advice

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John Burke, Real Estate Pro in ELK CITY, OK
John Burke answered:
I have veteran Coe credit score is 660 can I get an approval letter in Charlotte. I do have a house that I rent out should I sell it or refinance it
Hi Vanjohnsonn79,

It depends on whether or not you meet the rest of the VA requirements like debt to income ratios & residual income requirements.

What you need to do with your cu ... more
0 votes Share Flag Fri Jul 8, 2016 Credit Score in Charlotte
Orianaakuda, Home Buyer in Charlotte, NC
Orianaakuda asked:
who is the six grade principal and the school principal? who is the principal
0 votes Share Flag Fri Jun 3, 2016 Credit Score in Charlotte
John Burke, Real Estate Pro in ELK CITY, OK
John Burke answered:
Minimum credit score
Hi Freeeburd,

It depends on the lender and the loan program.

1) FHA - Most lenders want a 620 or better score but some of us will go down to a 580.

2) VA - Same as FHA

3) US ... more
0 votes Share Flag Thu Oct 15, 2015 Credit Score in Charlotte
Todd Lee,  in 28278
Todd Lee answered:
Credit scores around 600, married couple with a combined income of 60,000.
We work with lenders that have programs for credit scores below 600. Good lenders will also give helpful advice for rebuilding and/or building your credit.
0 votes Share Flag Mon May 18, 2015 Credit Score in Charlotte
Melissa Polce, Real Estate Pro in Cornelius, NC
Melissa Polce answered:
Greetings all! I am interested in purchasing a home in NC. I live in the northeastern part of the US so this home will be considered as a secondary r
Gabe Libutti, McLean Mortgage glibutti@mcleanmortgage.com is in Charlotte and can help you with that answer specifically but if you plan to keep your home up north and buy down here...t ... more
1 vote Share Flag Sun Oct 19, 2014 Credit Score in Charlotte
Eleanor Thor…, Real Estate Pro in Cary, NC
Eleanor Thorne answered:
Are there any mortgage lenders in the area that will let you got conventional loan, without 20% down, witha credit score under 680?
Yes, you can get a Conventonal Loan with as little as 5%, as long as they are your own funds, not a gift with a score as low as 620. If the funds are coming as a Gift, then we would ne ... more
0 votes Share Flag Tue Mar 25, 2014 Credit Score in Charlotte
Michael Abra…, Real Estate Pro in Deerfield, IL
Michael Abramsky answered:
We are in our home that we are buying, my credit is not good, but I have a good income and as well as my daughter, with our incomes we can pay.
It will be in your best interest to fix your credit so that you may qualify for a mortgage. Here's a link to 5 simple tips you can implement to start repairing your credit: http://www.c ... more
0 votes Share Flag Tue Jan 14, 2014 Credit Score in 28214
ryateslenders, Real Estate Pro in Plano, TX
ryateslenders answered:
I am currently a renter with a bad credit score of 556. I am looking for some help from someone who can advise me on how I can raise my credit score.
Where did you pull the 556 score from? A report you get online will have different scores than a lender pulls, sometimes I have seen a 50-80 point difference in either direction. I know ... more
2 votes Share Flag Tue Aug 20, 2013 Credit Score in Charlotte
Cjisley, Home Buyer in Greensboro, NC
Cjisley answered:
Where are the lenders that work with 550 - 600 scores in Charlotte nc. I want to purchase a house for $85,000. Please help.
Hey, I'm a first time home buyer with a credit score around 630. I live in greensboro NC and I'm look for a lender who will except my score. The house I've found is 90,00 ... more
0 votes Share Flag Fri Feb 22, 2013 Credit Score in Charlotte
Christina Ha…, Real Estate Pro in Morristown, TN
Christina Hayes answered:
Just can't seem to get my credit right
This is a year old... How has your credit developed in the last year. If you care to share.

Have a great day;

Christina Solorzano;
CEO & SR Credit & Mortgage Consultant of
Everl ... more
0 votes Share Flag Tue Jun 26, 2012 Credit Score in Charlotte
Rawlingsasha…, Home Buyer in Charlotte, NC
Rawlingsashaki answered:
what if my score is below 580, can i still get a home loan?
What if my score is below 540
0 votes Share Flag Sat May 5, 2012 Credit Score in 28214
Richardsene,  in Charlotte, NC
Richardsene answered:
Where are the lenders in Charlotte nc. I want to purchase a house for $85,000. Please help. Experian - 589 Equifax -538. trans- 558.. have 5% d.p.
We advise also to take out the time to build yourself up by savings and living within a budget.
These goals will provide you with the model for long-tiime success with homeownership a ... more
0 votes Share Flag Thu Apr 19, 2012 Credit Score in Charlotte
Trevor Curran, Real Estate Pro in Great Neck, NY
Trevor Curran answered:
my score is 529; am paying two CC off in Jan; is there any chance of a mortgage by april?
We see many credit reports with low credit scores (anything less than 620), and often many scores in the 500's. This is BAD credit. If you are one of the folks affected by this terrible ... more
0 votes Share Flag Tue Apr 17, 2012 Credit Score in Charlotte
Dawn, Home Buyer in Charlotte, NC
Dawn answered:
Credit score 552-576, Debt to income ratio: 7%, Mortgage on the $99,000 condo I want would be less than 15% of my income. Any hope at a loan?
With your credit being so close....contact Matt Gray with Fairway Mortgage....His office is good a cleaning credit up Email: mattg@fairwaync.com
0 votes Share Flag Thu Jan 26, 2012 Credit Score in Charlotte
Stephan Sail…, Real Estate Pro in Charlotte, NC
Stephan Saillant answered:
If someone who has a credit card adds you to there account can that increase your credit score as long as the balance is low and the payment are on
Hi Amy,

This strategy used to work a few years ago. Lenders are now stricter. Best way to establish credit for yourself is to get one or two secured credit cards (if you can't g ... more
0 votes Share Flag Thu Jan 12, 2012 Credit Score in Charlotte
Daniel Fisher, Real Estate Pro in Charlotte, NC
Daniel Fisher answered:
Where are the lenders that work with 550 - 600 scores in Charlotte nc. I want to purchase a house for $85,000. Please help
Good morning SB!
Did you find a lender yet? If not, we have some ideas for you. One of the most important things you must have to qualify for a loan to Buy a Home in Charlotte, NC or ... more
0 votes Share Flag Tue Dec 6, 2011 Credit Score in Charlotte
 dave, Real Estate Pro in Charlotte, NC
dave answered:
Could I get a loan for a $25,000 house with $5000 down and a 612 credit score?
Nicole,

You can qualify for a mortgage with a credit score of 612. The mortgage broker I use does not care if you are gettign a $5000 loan or a 500,000 loan. He will do all types ... more
1 vote Share Flag Mon Aug 29, 2011 Credit Score in Charlotte
 dave, Real Estate Pro in Charlotte, NC
dave answered:
Are there any lenders that will help 1st home buyers w/credit score between 545-563 in New York?
There are lenders out there that do offer programs for people in your situation. I use Coldwell banker mortgage and they will approve as low as 500 credit score. Teh down payment incr ... more
0 votes Share Flag Tue Jul 19, 2011 Credit Score in Charlotte
Nathan Wolf, Real Estate Pro in Charlotte, NC
Nathan Wolf answered:
i need a fha lender in charlotte, nc. Credit scores experian-557, equifax-516, and transunion - 543....
Most require 620 to 640 minimums. WellsFargo has a new program for 500 scores. Check out all the local homes on http://www.clthome.com
2 votes Share Flag Thu Mar 31, 2011 Credit Score in Charlotte
Robin Silver…, Real Estate Pro in Garden City, NY
Robin Silverberg answered:
I have several items on my credit report that I am trying to pay and have removed( utility bills). I was advised to contact the collection agency
Amy, you may have gotten decent advice on paying those collections off, but they may have steered you wrong about how to get those things removed. If you tell them that you will pay the ... more
0 votes Share Flag Fri May 21, 2010 Credit Score in 28212
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