Hi Stephanie,

With a low credit score you will pay a lot more money for a mortgage than you would if you had a better credit rating. You may need credit repair or you may need a credit score boost. If you want more details on how to improve your credit rating, please see my blog. Or you can catch me in the June issue of INC Magazine. Good luck!

http://www.hammeredcredit.com

I have owner financing program at FICO 560, 5% down payment.

I don't have a property in your area yet but if you like to qualify with us, I will be willing to find a property that matches you.

Please visit my website for more details.

Thanks,
Celine

With a 600 credit score I have a lender that will do a USDA loan in Munford there are some income limits. I am a local Realtor based out of Lincoln Alabama. If you would like to come by my office I can put you on the right tract or visit my web site at http://www.barrylynnmiller.com I also have a number of lease purchase properties in the surrounding area but I feel like with a little help 600 is not hard to reach.

Barry Lynn Miller
RE/MAX Properties Unlimited
205-338-5555

in this market you need a 620 for an FHA with3.5% down and a 720 for all other financing. you are not that far off. I suggest you sit down with a reputable local lender to discuss how to get your credit up to where it needs to be. If you have a good income 7 money for a deposit/down payment you may be able to get some owner financing or lease/purchase.contact a local agent to discuss this possibility.

Good luck!