You could always work on repairing your credit then not only would you qualify but you would get a lower interest rate which would make your payment lower. I worked with a company called CreditMend247.com to get mine fixed. I was in the low 500's now I'm in the high 600's and one is even over 700. They did a great job for me.
Don Groff | REALTORÂ® & Mortgage Broker
Austin Real Estate Pros & 360 Lending Group
o 512.669.5599 | m 512.633.4157 | email@example.com
websites: http://www.AustinListed.com | http://www.360LendingGroup.com
So as not to waste time, your first step is to talk to a lender licensed in your state, find one who is willing to spend some time and work a custom portfolio for you, and put you on the path to pre-approval. Score of 600 is not bad at all, just hold off doing anything else that may hurt your credit and get some guidance.
If you would like a referral for a Realtor, (usually the recommended route), as they will help locate a lender that can work with you based on their client closing experiences, text me your email and a zip code or city so I can try send you some names that specialize in the area, so you can find a best fit.
Jamuna Thill, Texas Realtor
Cell: (972) 814 3682
Susie Kay, RealtorÂ®
GRI, CHMS, SFR
United Real Estate
III Lincoln Centre, 5430 LBJ Freeway #280
Dallas, TX 78240
Servicing your real estate need is my priority!
Multiple mortgage inquiries within 30 days of each other are counted as one credit pull by the FICO score. This is Federal Law!!!
I can even send you proof. Email me for a free book written by the Fair Isaac Co..... The developer of the FICO Score that all lenders use.
2. We have FHA down to 600. A little more difficult to get than loans at 620 or 640+ but still doable.
Let me know if you have any questions.
(214) 763-4629 cell/text/nights/weekends(Really!!)
Lending all across the entire Great State of Texas!!
Search Dallas area MLS for FREE. No registration => http://www.ntreisinnovia.net/cgi-ntr/BR_login?0501134
Urgent!!! Don't go on line or authorize any one to pull your credit. If you don't already have your report(s) you can get them free from myfreecreditscore.com and see the items reflecting negatively.
Every your credit is pulled reflects negatively and pulls the score down 2-3 points. Get your reports and then go to a highly qualified loan officer and review. Hopefully, you'll be able to get a positive plan in motion. If you find a lender who can truly get you approved with the current score, and you are happy with the conditions, then fine. But don't "shop" the internet! Those "inquiries" will hurt and can cause a rejection. Lastly, get with a Realtor with lots of professional experience and to help navigate. All the best!