Tina was right on the money when she answered about your fiancÃ©. I recommend that you work to get your credit up to maximize your abilities to shop around for rates. With a score around 610ish, it shouldn't take more than 6 months of doing the right things to get in the 640-680 range. A local real estate agent should be able to guide you to someone that can look at your credit and give you some pointers on how to increase your score relatively quickly.
Darrell D. Drouillard
Home Team of America
16719 Huebner Rd., Bldg 4
San Antonio, Texas 78248
'Serving all Your Real Estate Needs'
Even if you meet the minimum score requirements, you cannot have certain things like collections on your credit report. Banks are being very careful about making loans now and they want to be sure that their borrowers are not only credit worthy, but responsible with their overall finances. If you need to get in touch with a good local lender, please give me a call at 804-972-9927.
Associate Broker, ASP
Resource Realty Services