You should start by calling different lenders to see if there are any that are willing to work with your score. Also lenders take the middle score number from the three credit reporting agencies. So the one that you have my be your lowest of the three or it may be the highest. A lender will best be able to tell you exactly where you stand and a GOOD lender will recommend how to reach the targeted number to get you approve.
Exit Realty "The Tri-State Group"
How are you? To answer your question, many lenders today require at least a 620 credit score in order to get pre-approved for a mortgage loan. However, if your score is only 602 and you only need an additional 18 points, I am sure there are ways for you to increase that score by paying off certain loans/debts that you currently have and I am sure a Mortgage Loan Officer is able to assist you with that. My Century 21 office is actually affiliated with a mortgage company which is pretty reputable and have assisted many buyers to increase their credit score over a period of time which allows them to secure a loan. If you like me to refer you to one of our Senior Loan Officers and they can help with you further with this, I'd be more than happy to do that for you.
If you have any questions or are interested in getting some information on some properties, please feel free to email or call me.
Have a great day!
CENTURY 21 Advantage Gold
2010 Oregon Avenue
Philadelphia, PA 19145
Business: (215) 465-1400, ext. 508
Fax: (215) 336-7793
Mobile: (267) 918-1880
I hope this helps you. But, I would get associated with a Buyer's agent before you start the home buying process..this way they can help you through the entire process.
I hope this helps.
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