Home Buying in San Antonio>Question Details

oorahgunny7, Renter in San Antonio, TX


Asked by oorahgunny7, San Antonio, TX Wed Feb 20, 2013

Help the community by answering this question:


Depends on your plans.

There are some programs you could qualify for BUT please remember, you make your money on the house when you purchase it by the price you pay and the interest you pay. You cannot determine the market should you need to sell in the future. Usually, the more square footage you can purchase the better the yield in the future.

If you can improve your score in just a few months by doing certain things, I highly suggest you do it so you can have stronger buying power. Leverage is Everything.

I know a place you can consult with that can advise you on just what things you should do to qualify for a loan to buy a home dependent on your particular circumstances. I also know a great lender that can educate you on the different programs that you could qualify for. With this vital information you can choose what plan of strategy you should follow.

Contact me and I will guide you there as I have done for so many others.

Gregory Touchstone
Keller Williams Realty
0 votes Thank Flag Link Sat Feb 23, 2013
Yes and i have a great community I can show you give me a call. Barry jenkins 2108254552
0 votes Thank Flag Link Sat Feb 23, 2013
We have lender who works with 600 mid score. Please visit our website to learn more about our mortgage borkerage services. You can have a NO COST! Loan Consultation. CALL 210.535.1739
i will be able to get your information and together we can find the best rate and loan program for you. We have an array of National lenders that we get pricing for you so you only have to fill in application once and let us help you through the entire process. I am assure you that we will find the loan program for the BEST CLOSING COST for you.
Laila Abdulla
Web Reference: http://smarttxhomeloan.com
0 votes Thank Flag Link Thu Feb 21, 2013

It really depends on what type of loan program you can qualify for as some loan programs have different credit score limitis. It is really best for you to talk to a lender in San Antonio.

I have a great lender that many of my buyers have used and like. Her name is Marsha Neimeier and she works with Patriot Bank. Her number is 210-313-1393 and her email is MNeimeier@PatriotBankUSA.com

If there is anything else I can do to help you, please don't hesitate to call or email me.


Terri Saari, Realtor®, Retired United States Air Force
Certified Relocation Specialist
Company Trainer
210-887-3477 Cell http://www.WelcomeHomeToSA.com
Texas' FIVE STAR Realtor 2012 and 2011 as seen in Texas Monthly
Platinum Top 50 Award Winner 2011/2012 Finalist

Texas Law requires all Real Estate Licensees to give the following information about brokerage services: Please click or cut and paste this URL into your browser Http://www.trec.state.tx.us/pdf/contracts/OP-K.pdf
0 votes Thank Flag Link Wed Feb 20, 2013

600 is not a good score to be honest. Most lenders these days require a 640 or better to qualify.I do have lenders that I work with that will go as low as 580. I would recommend getting with a lender who will work with you and get you moving in the right direction. It's important to understand your credit to make sure your scores are improving.

Do you know what you need to be doing to ensure your scores are improving each month? If you don't know the answer to that question you really need to find somebody who will not only help but work with you to get you to where you need to be.

Best of luck to you.

Don Groff
REALTOR® | Mortgage Broker
Keller Williams Realty | 360 Lending Group
o 512.669.5599 m 512.633.4157
listings@dongroff.com | http://www.AustinListed.com
0 votes Thank Flag Link Wed Feb 20, 2013
Would work on the FICO score as well as your credit ratio. Need a Mortgage professional to best answer that question.
0 votes Thank Flag Link Wed Feb 20, 2013
If you are VA Eligible or have 5% to put down... yes!

If not.. you need another 20 points on your scores... which is NOT HARD to get AT ALL!! Usually just paying down some of the balances on your cheaper credit cards does the trick :)

Here is THE BEST lender in all of Texas: http://www.DHIMortgage.com/Kasey-Hampton - she has an entire department of folks that help to raise credit scores FOR FREE!! You can thank me later.

In the mean time... shoot me a text, e-mai, or call me, and I'll be happy to pull you a full list of all the homes that fit exactley what you are looking for.

Jason C Campbell
Platinum Top 50 Finalist
Option One Real Estate
0 votes Thank Flag Link Wed Feb 20, 2013
Flag Wed Feb 20, 2013
That's bare minimum.
But is doable..... and with a good rate
0 votes Thank Flag Link Wed Feb 20, 2013
YES! Give me a call or feel free to apply online at http://www.rhlapps.com/kjones
We are able to approve FHA loans with credit scores as low as 580 with only 3.5% down. This is with no investor overlays!

K.C. Jones
RH Lending
0 votes Thank Flag Link Wed Feb 20, 2013
It is mid score of all 3 credit reports

#1 - 650
#2 - 625
#3 - 575

The lender will pick the "middle score" ...

Lynn911 Dallas Realtor & Consultant
Multimillion Dollar Sales Producer

Follow me on Facebook
0 votes Thank Flag Link Wed Feb 20, 2013
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