Home Buying in Markham>Question Details

Townsmaleeka, Home Buyer in Lynn, MA

I have a 579 credit score

Asked by Townsmaleeka, Lynn, MA Sun Apr 7, 2013

I wanted to know how long would it take me to get a 620 credit score since that is what's needed to get a home it seems like it has taken me forever to get to 579

Help the community by answering this question:


Your at the doorstep of qualifying for an FHA mortgage, depending on the reasons for the credit score, if you have anything outstanding from a judgement or lien and the strength of compensating factors on your mortgage application and associated support documentation.

I would suggest finding a local, reputable mortgage professional, preferably by personal referral. A review of your credit report and an in-depth discussion is the best answer to get you to where you want to be.
1 vote Thank Flag Link Mon Apr 8, 2013


I am a local mortgage broker and would be happy to help you get pre-qualified. We work with over 30 lenders to help you get the best possible financing. We specialize in FHA, VA, and conventional financing. Where other banks require a 640 and above score to help with financing, our lenders will go as low as a 580 score on an FHA mortgage. SMC carries an A+ Better Business Bureau Rating and we have worked in the community for over 15 years!

Please call or email me so we can set aside some time to get you prequalified; or visit my website to complete the application http://www.smartmortgageinc.com.

I look forward to working with you!

Best regards,

Patty Harrison
Smart Mortgage Centers
patty@smartmtgs.net / http://www.smartmortgageinc.com
0 votes Thank Flag Link Mon Apr 8, 2013
I have had my credit cleaned up. I had a credit score of 640 in august, I applied for two credit cards and my credit score went down to 601 can I get a home with that score. I am a senior citizen and I want my own home. Can you help me.
Flag Sat Nov 22, 2014
The quickest way to improve your credit score is to check and correct any negative errors on your credit report. Otherwise, there's no set time frame for a certain improvement in your credit score. If you diligently pay all your bills on time, then you may get a large bump in your score in 6-12 months.
Web Reference: http://www.archershomes.com
0 votes Thank Flag Link Mon Apr 8, 2013
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