Quality Mortgage Lending
RATED A+ WITH THE BBB
*We do Conventional loans down to a 620 score
*We do FHA loans down to a 580 score
*We do USDA loans down to a 620 score (no money down)
*We do $100 down payment FHA program
*Unlimited Loan To Value refinances on Fannie/Freddie refinances (only on loans originated before May 31st 2009
*We do VA loans down to a 620 score
*We give free counseling on what needs to be done to improve your credit score.
*We do 203k loans down to a 620 score
*We do reverse mortgages
*We do JUMBO loans to 12 million
*We do Itin loans
I would recommend you talk to a good mortgage banker. Many times people think they have 'not so good credit' when in fact it is fine. There are programs for first time home buyers like yourself that require only so so credit and a small down payment. At the very least you will know whether or not you qualify, how much you qualify for, and/or how to fix your credit so that you WILL qualify in a short time, and how much time that will take.
If you don't know a lender, find a good realtor and ask them, they will be happy to help you find someone. And, if they DO help you, repay the favor by letting them also help you find a home of your own.