Your first step is to find a lender, bank or broker who will take the time to work with you. It is important to understand why your credit is where it is and more importantly you need to know where it is going. Your first action it to get your credit moving in the right direction. Most lenders these days want a 640 credit score for an FHA purchase. You may not be that far off but you need to know and understand your credit and the steps necessary to get moving in the right direction so you can be able to buy a house sooner rather than later if that is your goal.
If you have any questions please feel free to call or email me. I am a Mortgage Broker and Realtor. Best of luck to you.
REALTORÂ® | Mortgage Broker
Keller Williams Realty | 360 Lending Group
Lots of good answers here. One of the most important factors is going to be your job history and your debt to income ratio. I have worked successfully with lenders who have gotten loans in that credit score range, but the critical factors mentioned above were the deciding factors as well as no late payments or charge offs for 12 months...
Feel free to call and get more info...512-638-6585. I would love to help you out.
Funny you should ask, I have lunch with a gentleman the other day who indicated that his company coming out with a new loan product for persons geared for persons with a FICO of 580 or better.
Jeff Stafford with PNC Mortgage here in Austin, give him a call at 512-329-4309 or on his cell a 972-740-9211. Provided there is a valid basis your score he shold be able to guide you through the process.
If bad credit is the issue, my suggestion would be to contact Jaylon Plunkett at 877-469-2279 ext 102, he is with Best CreditRX here in the Austin area.
Just let either of them know I passed along their name.
Once you have a clear idea where you are financially, I would be glad to assist and guide you through the home purchase process.
Note: by getting you finances in order you are making the correct first step in home ownership.
Or Stephen Johnson at 512-663-5990. Both of these gentlemen will help you get to where you need to be.
Then give me a call at 512-791-7253 and Iâ€™ll help you find the best home at the best value. Until then, all my best!
Matthew Posey at Ameripro Funding... is my preferred lender. He can help guide you through the loan process in a comfortable and relaxed manner (no pressure). He can be reached at 512-583-1024 or toll free at 866-414-3863 x 824. Email firstname.lastname@example.org . Website http://www.mylender4life.com .
Please let Matt know I recommended you.
Have a great day,
Sherry Stark, OPR 512-965-1233
Robert Dale Hernandez
Let's get the ball rolling.
CHRIS RODRIGUEZ, e-PROÂ®, SFR, TRLP
The TAG Team at Austin REAL Pros, REALTORSÂ®
Austin REAL Pros, REALTORSÂ® - Downtown and Central
1310 South First Street, Ste. 210
Austin, Texas 78704
(512) 458-3730 Office
(512) 921-1431 Wireless/Facetime
Women's Council of REALTORSÂ® Austin
2011 Treasurer, Marketing Chair, Technology Chair, Newsletter Chair, REALTORÂ® of the Quarter-First Quarter
2010 Treasurer, Marketing Chair
2009 Marketing Chair
Austin Board of REALTORSÂ®
2012 Installation Vice-Chair, TREPAC Committee, Education Committee, TREPAC Spelling Bee Subcommittee Chair
2011 Realty Round Up Chair, Grievance Committee, TREPAC Wine Tasting and Golf Subcommittee
2010 Realty Round Up Chair, Grievance Committee, TREPAC Golf Subcommittee
Personal Page: Facebook: http://www.facebook.com/ChrisSellsAustin
Fan Page: Downtown and Central Austin Living: http://www.facebook.com/pages/Downtown-Austin-Living/157907797544
Please visit my Real Estate website at: Austin iHomes (dot) com http://austinihomes.com/
REALTORÂ® - #0563503 - Licensed to Practice Real Estate in the Great State of Texas
If you are concerned about your score, I have a list of owner-financed homes that are very lenient when it comes to credit. This will get you in a home now while you are working on a better score.
Let me know if you have any questions!
Real Estate Broker/PLR
Certified ECO Broker
Cell: (512) 567-8522
I suggest that you seek counsel with a mortgage Broker in your area as they can advise you best on how to increase your credit score and also give you an idea of what you can afford for a mortgage once your credit improves.
Good luck to you!
Prudential Connecticut Realty
All the best!
Jeffrey Nyland, REALTORÂ®, GRI, SRS, ABR
The Nyland Team
Prudential Texas Realty
Jeffrey Nyland TX AUC# 16644
I can give you some websites that will be helpful to you to get your credit back on track- these are free to you. Please send me your email address and I will forward the information to you.