Financing in Dayton>Question Details

bdremployment, Home Buyer in 45415

I have a 612 middle score and need an FHA 203B loan for a house. Any advice?

Asked by bdremployment, 45415 Sat Oct 20, 2012

My score is low from a few years ago when I lost my job and got behind on everything I have almost two years pf perfect payment history since then and have repaid the credit card debts. Who can I talk to that will work with me?

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Maria Cipollone’s answer
Try to apply for an store credit card. buy a few items and paid the balance as soon as the bill arrives to your place. Also shop around for a reliable mortgage broker, they have access to many banks, private lenders and different financial programs.

Best of Luck,

Maria Cipollone
1 vote Thank Flag Link Sun Oct 21, 2012
How many revolving trade lines do you have? What is the balances you are carrying on them? I wouldn't keep letting lenders pull your credit as your credit score will be lowered. If you need further help and or advice on boosting your credit score, please give my office a call.

Best of Luck;

Christina Solorzano;
CEO & SR Credit Repair Specialist at
Everlasting Credit Repair
Ex-Mortgage Broker of more than 10 years
0 votes Thank Flag Link Mon Apr 29, 2013
Give me a call I might have a lender that can help you.

Jim Gordon
0 votes Thank Flag Link Sun Oct 21, 2012
Do you have a capital one credit card?

I was able to boost my score by 20 points within 3 months just by accepting the card, using it once, and then paying off the entire balance.

This strategy, however, might work against you if your average credit history (between all your trade lines) is less than 2 years or if you've applied more than 3 times for credit within the last 12 months. Hard credit inquires will knock your score down a bit, but those effects are temporary and usually moderate over time.

For localized assistance and support, this looks like your best bet:

Good Luck and hope it all works out for you.
0 votes Thank Flag Link Sat Oct 20, 2012
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