Tram Ho, Home Buyer in Milpitas, CA

I have credit score at 632. Can I get a home loan with 30% down. Area is Milpitas, ca.

Asked by Tram Ho, Milpitas, CA Wed Sep 5, 2012

Help the community by answering this question:


Ron Thomas’ answer
In my experience, you would be a PREFERRED client:
You should get a better than average Interest Rate, and certainly, better service:
I would recommend a Mortgage person, up your way, who has the integrity you need:
Dominic Sylvestri, at 925-260-4984.
0 votes Thank Flag Link Thu Jan 31, 2013
Of course you can. I know lenders that do FHA loans with a 580 and conventional with a 620 credit score with 3% down. If your trying for a Jumbo you will need a 660 score and 10% down..
1 vote Thank Flag Link Sat Sep 28, 2013
Hi Tram,

Yes, you can get a loan with this credit score. I can refer you to a couple of good loan agents.

Meena Gujral
Achievers Realty
1 vote Thank Flag Link Thu Jan 31, 2013
Yes Tram,
I am a Realtor who services Milpitas and has an excellent lender .

Please call or email me to get the process started.

Thanks ,
Taj Weldon
DRE 01816152
1 vote Thank Flag Link Wed Sep 5, 2012
Wow Spamming Trulia Jessica. Same Answer on 100 different posts

Way to offer great insight to the Trulia community.
0 votes Thank Flag Link Sat Aug 10, 2013
Yes, Tram. We can do that.
I am located in Fremont if you would like to discuss further.

With 30% down, you may actually be able to take some of your cash, pay down a bill or two and get that credit score up and improved!

Utilizing your cash to the best of its ability!
0 votes Thank Flag Link Wed Sep 5, 2012
Hello Tram,

It is definitely possible. I have a portfolio lender that can qualify as low as a 620 fico score, as long as you meet their guidelines. Please feel free to give me a call or email at your convenience to discuss.

Michael Abram
First Capital Mortgage
NMLS #235060
Direct: (310) 434-1718
Fax: (310) 451-6407
0 votes Thank Flag Link Wed Sep 5, 2012
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