Hi there - you've gotten good advice so far - but the best thing for you to do is to talk with a mortgage pro - I've got one I can recommend if you like - let me know if you'd like the contact info and I'll pass it right along.

Best,
Jeannie Feenick
"Unwavering Commitment to Service"
Search the MLS at http://www.feenick.com

Yes, you can! The magic number seems to be right around 620. If you have judgements or collections against you upwards of $1500 you'll probably have to clear them up first.

Good Luck!

Hi Teapples,

With an FHA insured loan you can get by with a 620+ with some lenders. You might be able to offer some compensating factors such as cash reserves after closing, down payment higher than the required 3.5% for FHA. Talk to your mortgage lender or interview a few for your own sake. Here’s some one that specializes in that type of loan Janette @ 973-777-8888. Good luck with your mortgage hunt.

Pablo López
Century 21 Elite Realty, LLC.
337 Changebridge Rd
Pine Brook, NJ 07058
973.244.7980 X215
http://www.pablolopez.us

Dear Treapples,

Yes it is possible to get a mortgage with so-so credit as you say. It all depends on quite a few things these days. How much down on the house, the price of the house, taxes, and of course the history of you , your job, salary and credit. There are some programs out there that can work for you. It may just not get you as much of a house to start with now.

Please give me a call or contact me by e-mail, Would love to answer any of the questions that you might have. If I don't have the answers I will get you in contact with the right person or get them for you.

Robert C Stern http://www.robertcstern.com

WIth a score over 620, you should be fine..as long as income, debt ratio, down payment are in line as well. IF you want me to take a look at your options, just give me a call at 800-793-9633 ext 185. I'll do my best to get you qualified.

Danny Castagna