Home Buying in San Antonio>Question Details

Jeff Johnson, Home Buyer in 78245

Hello everyone. My wife and I want to buy a home. Poor credit rating

Asked by Jeff Johnson, 78245 Sat Oct 20, 2012

Hello everyone. 5 years ago I became very ill and racked up alot of medical bills. Since then my wife and I have been paying everything off but our score is still low. We havent missed a payment on anything in over 4 years. However her creditkarma.com score is 590. Now I know her transunion is 640. I guess what im asking is can we get a mortgage loan? And what all do I have to do in order to buy a house? Who do I call to talk to about getting a mortgage with bad credit?

Help the community by answering this question:


Locate a broker or company that helps people find lenders that match the type of loan product you need like, The Lenders Network. They specialize in lender referrals and have several that work with poor credit, good luck!
1 vote Thank Flag Link Wed Dec 11, 2013
I can recommend a great lender that will help you get your credit score up and ultimately approve you for a loan on your house. Send me a message for his name.
0 votes Thank Flag Link Fri Jan 3, 2014
Thanks for your question.

Start with the many fine agents responding to this question, and get pre approved first.

Good luck in the New Year, you will be just fine by asking the right questions.

Web Reference: http://www.ruthandperry.com
0 votes Thank Flag Link Thu Jan 2, 2014
Hello....I work for a legal consumer firm that helps to resolve those type of credit issues. Please give me a call to see if I may be able to help...that is if your actually looking to get the situation rectified.

Sergio Marshall
972-231-0452 ext 109 http://www.whitejacobs.com/sergio-marshall
0 votes Thank Flag Link Tue Dec 10, 2013
Probably! The best thing to do is contact a lender. They will look at your overall credit picture and help you clear up any issues. Many lenders do not hold medical issues against you. 640 is good enough to buy a home and the 590 is workable.

Contact my lender: Marquee Mortgage 210-738-2244. Richard Murray

I have used him almost exclusively for 10 years.

Marty Shields
Real Living/Best Homes
USAF Retired
0 votes Thank Flag Link Fri Oct 26, 2012
Hello Jeff : I specialize in helping people in your situation.If you like call me and we will get started if you are not already represented

David Gutierrez
0 votes Thank Flag Link Sat Oct 20, 2012

The above link is a good start.

Scores off the internet are rarely accurate.

Tom Burris
Mortgage Banker
(214) 763-4629 cell/text/nights/weekends(Really!!)
Lending all across the entire Great State of Texas!!
NMLS# 335055
Search Dallas area MLS for FREE. No registration => http://www.ntreisinnovia.net/cgi-ntr/BR_login?0501134
0 votes Thank Flag Link Sat Oct 20, 2012
You can buy a house now - with your current credit rating! Visit MyNewTXHome.com .
I sell homes to people who need a 2nd chance in life. Just as long as you have a decent
down payment & can afford the monthly payments of the particular home--then you're
Jeff, I understand how frustrating it can be to have been paying things off and being committed
to making on-time payments for years - only to see it hasn't made much of a dent in your credit scores.
Rest assured, we'll get you into one of our houses.
Visit our site or give us a call: 210-646-one two six nine.
Look forward to hearing from you.
Have a Blessed day!!
0 votes Thank Flag Link Sat Oct 20, 2012
Loan approval is based on the middle credit scores of all 3 credit reporting agencies. What you "see on internet for credit scores at time not always accurrate info.

Contact a mortgage broker ... also much more is involved purchase a home than a credit score.

Lynn911 Dallas Realtor & Consultant, Credit Repair Advisor

Multimillion Dollar Sales Producer

Follow me on Facebook
0 votes Thank Flag Link Sat Oct 20, 2012

We are excited that you are choosing to make such an important decision and would be happy to help you and your wife with all your Real Estate needs. We would love to set up a time to meet with you and talk about the whole process of home buying, as well as answer some of your many questions. We will be able to direct you in the direction of who you need to talk with and when you're ready to buy we will be there for you through the whole process.

Please feel free to check out our website http://www.TexasHomesDuo.com and ready over some of the clients testimonies.

I can be reached at 210-823-0403

Thanks again

Carol J Woodward
Keller Williams Realty
The TexasHomesDuo Team
Click here to see our new video! http://youtu.be/gxfqNA9HEKY
0 votes Thank Flag Link Sat Oct 20, 2012
I'm sorry here is my contact info if you would like for me to help you.

Web Reference: http://Anaojeda.com
0 votes Thank Flag Link Sat Oct 20, 2012
I can recommend you a great lender that will get you in the right track. It seems that you are really working on it and want to make this happen. With a little work and dedication I can for sure help you achieve your dream.
0 votes Thank Flag Link Sat Oct 20, 2012
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