Income, Income, Income. You must be able to show that you can make the monthly mortgage payment no matter how much you put down. Credit is important of course but usually an easy thing to correct. Income on the other cannot be corrected or changed because it is all verified through tax returns and pay stubs.

Call me if you likeand I can go over a purchase scenarion with you and see what you qualify for.
Ryan
954-764-7064 ext.203

Kathy,
It depends on several key factors. Your mortgage officer will look at your credit score, your credit history, your income to debt ratio, your employment history, the amount of your down payment, etc. It all depends on what made your credit score low. Do you know what caused you credit score to be low? I would be happy to discuss this in detail and private at your convenience. My contact information is on my website. Best of luck!

I wouldn't necessarily say easy. It is possible. I would find a bank or reputable mortgage company that does FHA or no-doc loans. Good Luck in your real estate pursuit.

David A. Patterson, Broker CRS ABR
Russell & Jeffcoat Realtors, Inc.
5219 N. Trenholm Road
Columbia, SC 29206
(803) 960-5231

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