He may be able to help you improve it
Bond Street Mortgage, LLC
Our Word is Our Bond
There are programs that will entertain lower credit scores with compensating factors. You need to speak to someone that can put together a plan for you to have a successful purchase transaction.
If you wish to speak to myself or lone of my loan officers you can contact me at firstname.lastname@example.org
Camille Marotta NMLS# 9838
Residential Home Funding
Mortgage companies are going to run your credit regardless of your salary or down payment. Your credit score, documented income (as in filed IRS returns,not just pay stubs or W2's) and other financial obligations such as credit cards, car payments alimony, child support & other loans, are things the mortgage companies will look at in making a lending decision.
If you would like the name of a few good lenders please let me know.
Barbara L Smith ABR, GRI, SFR
Licensed NJ & PA
Voted "5 Star Professional" Realtor
Philadelphia Mag Sept. 2012
Eric Axelson, Associate Broker
Kurfiss Sotheby's International Realty