Do you have down payment and closing costs? If not, you may consider half percent down payment programs from a minimum 580 fico score which can contribute towards your closing costs as well. If we can get your scores up above minimum640 you may consider another half percent down payment program with a silent second. You can buy with minimum out of pocket expenses. Here are some links to study and consider. I can pre-approve you today and get you out shopping for a home of your choice.
Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
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Can we still get a loan approval with these scores?
Lenders go by the Mid-Fico Score.
The score that you see at your end may not be the real score.
A tri-merged report will give a better pricture.
Keep in mind there a lot of other factors also.