Most Lenders today require a minimum credit score of 640 to qualify. Best bet is to meet with a Local Mortgage Banker to get thoroughly prequalified. Mortgage Bankers are Licensed and have a much better understanding of qualifications than loan officers who work at regular banks.
You may be able to roll in the closing costs, but maybe not... so keep in mind... most are under the impression that 3.5% is all they need to buy... not the case.
Maybe you can roll in the closing costs, but you will still need to pay your lawyer, inspector, and appraiser. Those fees will not be rolled in
I represent Prudential Bob Yost Homesale Services and I'm a Realtor Licensed in PA.
Some banks only do credit scores of 640 or higher.
A 620 credit score is not a problem for me. Give me a call and I will get you pre-approved.
Cornerstone Lending Inc
Southampton Pa 18966
215 953 0800
cell 267 992 7276
VOTED BEST IN BUCKS 2010 & 2012
NMLS ID 143960