We require 620 credit scores so we cannot help directly. I do know there are lenders that will do loans down to a 580 score, maybe even 530. But the terms and down payment may be higher. It may be worth it for you to take the time to raise your score to 620 to get the best terms. I think you need to find an experienced lender, well reviewed, who earns your trust, and go through a pre-approval process to see exactly what you can do now with your current score, and then ask what they could do if your score was 620, and you can decide if you think its worth waiting. But a lot of times there are things on your credit report that got your score so low in the first place, like collections, judgments, liens, etc; that may have to be resolved with any lender, even one who will accept a score as low as yours. So waiting may end up being your best choice for several reasons. Please don't be in a rush to buy home, it's the worst mistake you can make. If you have a very low credit score you may have some serious credit issues, and buying a home may simply exacerbate a currently bad credit scenario. Good luck.... more
To my knowledge I do not believe Trulia has an app yet for Windows phones, Trulia has a mobile section where you can enter your phone number and they will send you a link to download their mobile app, not sure if it will send you the Windows link, but it is worth a try.
Hope this helps out, good luck. :)
You can get an FHA loan with a 620 middle score with some lending institutions but not many. I would recommend finding a broker or service to help you locate a reputable lender that can approve your loan at a decent rate. I have client's who have got approved and received a good rate at The Lenders Network with FHA and VA home loans. If anyone can find you a loan they can!... more
Stacy your credit score is what they feel is the best history of how you pay, it is obvious that you have paid your rent faithfully, however your landlord has never reported this good deed to the credit agencies, so the bank will stick with recorded and documented accounts of credit worthiness! Sorry, they have to use a standard and this one even though not good for you is good for the financial institutions!... more