Home Buying in 78259>Question Details

Pamela Mitch…, Renter in San Antonio, TX

Want to purchase a home in SA TX with 610 credit score and a VA Loan. I pay $1400 a month rent for 3 yrs. Is it possible to get a loan?

Asked by Pamela Mitchell, San Antonio, TX Sat Jun 23, 2012

Help the community by answering this question:


Jason C Campbell’s answer
The quick answer to that question is YES!

You can qualify for a VA Texas Vet loan with scores down to a 580. Rates today are at 2.88% fixed... NICE!!!

Go here (and you can thank me later): http://www.DHIMortgage.com/Kasey-Hampton - quick, easy, and free.

Once you have that out of the way... I'll pull you a list of all the homes that fit what you are looking for in the area you would like to focus on... and we are off popping open doors :)

Easy as pie really...


Jason C Campbell
Option One Real Estate
2 votes Thank Flag Link Tue Jun 26, 2012
Yes. I know of lenders that can do VA loans with a 580 credit score in TX..
4 votes Thank Flag Link Thu Nov 14, 2013

You will need a 580 in TX for VA, if you got the 574 score online it's not accurate. You can go to our website and fill out the form or just shot me an email and I will see what I can do.
Flag Mon Nov 18, 2013
I am Active duty in the Army. I have a credit score of 574. According to Equifax, I am a Very High Risk. I am a father of 4 and is married. I am trying to buy a house on VA loan but was turn down due to my credit score. I am working on reducing my debt. Can you help us obtain a VA loan on 574?
Flag Sun Nov 17, 2013
Actually we are way more than a lead generation company we do refer our clients to lenders that can do their loan. We also have a network of over 100 real estate agents we refer clients to.. Many agents refer clients to us, Tom if you want to discuss please call me anytime
Flag Fri Nov 15, 2013
that is a lead generation company. no reputable realtor would send a client there.
you are a fake profile
Flag Fri Nov 15, 2013
Your very close... get with a lender so they can guide you and get your scores up a little. Knowing and understanding how your credit works is vital to ensure you are moving in the right direction.

Don Groff
REALTOR® | Mortgage Broker
Keller Williams Realty | 360 Lending Group
o 512.669.5599 m 512.633.4157
listings@dongroff.com | http://www.AustinListed.com
2 votes Thank Flag Link Sun Jun 24, 2012
The typical minimum credit score is a 580, you should be in great shape to purchase. Right now VA loans can take 30-60 days to close so you should time this purchase with your lease expiration.
1 vote Thank Flag Link Mon Nov 18, 2013
Hi Andrea. I've worked with Keller Williams Realty for over seven years and you are not listed anywhere in the Texas agent directory with Keller Williams Realty or Legacy?

Are you working with a different real estate company? Thanks.
1 vote Thank Flag Link Fri Aug 16, 2013
Just so everyone knows, there are a couple of people spamming Trulia with links to the Lenders Network claiming they refer all of their customers to this company which I find really hard to believe.

How many agents are going to refer their clients to a lead company? That's all this company does is collect information & sell it to lenders & brokers as leads.

What's even worse is these people are presenting themselves on Trulia as licensed real estate agents.

I did a search on The Texas Real Estate Commission's website for Andrea Gomez and just as I thought, she's not listed. Check it for yourself.


She also doesn't show up on the Keller Williams website under their agent search. Check it by clicking the link below.
1 vote Thank Flag Link Fri Aug 16, 2013
You are close.
Where did you get that score? Do you know all 3?

Do you have any credit card debt that can be paid down?

Utilizing a high % of your credit limit will sink scores pretty hard.
If you can pay that down, you might see at quick 20+ point boost.... Just enough to get you FICO scores high enough.

Please feel free to contact me directly with any follow up questions.

Tom Burris
Mortgage Banker
(214) 763-4629 cell/text/nights/weekends(Really!!)
Lending all across the entire Great State of Texas!!
NMLS# 335055
Search Dallas area MLS for FREE. No registration => http://www.ntreisinnovia.net/cgi-ntr/BR_login?0501134
1 vote Thank Flag Link Sat Jun 23, 2012
Yes, there is. Check out this Mortgage company that only deal w/VA Loans. http://www.veteransunited.com/
0 votes Thank Flag Link Tue Feb 25, 2014
There are several people spamming Trulia for the Lenders Network. It's not bad enough that they're doing this but they're also presenting themselves as real estate professionals when they are not.

Randy Roberts claims the following in his Trulia profile: http://www.trulia.com/profile/thelendersnetworkllc/

"Started my career in the world of finances and banking, after I got married I opened my own Real Estate company with my partner, Randall. We have been focusing on helping average americans live the American dream even with credit issues. Our main focus is originating loans nationwide, and Realtor referrals nationwide. Randall and I owned a credit repair company and know the in's and out's of credit, no offense but 99.9% of Lenders we talk to know nothing about credit. It is a science and I know everything there is to know about it. We have established contacts in the mortgage industry and have closed on loans as low as 500! We also do a little real estate investing so if you have any ideas or possible business deals I am all ears!"

So it appears that Randy is a lender, a real estate agent and credit expert yet I can't find any ties to him and the license # he lists on his profile,1741885. I searched the National Mortgage Licensing System and found nothing there which is strange because every lender has to be in that system. I checked the California Bureau of Real Estate but that license # belongs to someone else. See the search results here: http://www2.dre.ca.gov/PublicASP/pplinfo.asp?start=1.

So this guy isn't a licensed lender or real estate agent so what is he licensed to do?

Now let's look at the website these people are spamming Trulia with:


You have to scroll all the way to the bottom of the page to see the disclosure below:

The Lenders Network LLC is a Marketing Lead Generator with its main office located at 14241 Dallas Parkway Suite 650, Dallas Texas 75241, Telephone Number 855-841-4663. © 2013 The Lenders Network, LLC. All Rights Reserved. This site is directed at, and made available to, persons in the continental U.S., Alaska and Hawaii only.

So it turns out this is just a Marketing Lead Generator or something like Lending Tree or Lower My Bills where they capture your information and sell it as a lead to lenders and or real estate agents.

This is a far cry from the representation they've presented here on Trulia.

At least now you know what's really going on.
0 votes Thank Flag Link Fri Nov 15, 2013
Without knowing more information than you have given us, I can't say for sure. Most lenders won't go below 620, using the mid credit score. In addition, income, size of family, and many other factors go into the final decision. There are often quick ways to bring those scores up, but I'd need to see the report first. I have been a mortgage loan officer in San Antonio for 30 years, and would be honored to help with your mortgage questions. I can be reached on my cell at anytime, 210-842-4185.
Thank you for your service!
Barbara Coker
Licensed Mortgage Loan Officer
100% Home Loans All Over Texas For 30 Years!
Web Reference: http://www.thecokerteam.com
0 votes Thank Flag Link Sat Jun 23, 2012
Hi Pamela,

Pretty much every lender requires a middle credit score of at least 620 so you're almost there. You need to have a mortgage professional (like me) review your credit to see what can be done through a rapid rescore to get your scores where they need to be in just 2-3 days.

Please feel free to contact me for more information or help. You can also find more info by clicking the link below to my personal VA mortgage website.

John Burke
Senior Mortgage Banker
ENG Lending
0 votes Thank Flag Link Sat Jun 23, 2012
I work with a lender who can get buyers approved when most other can't.

I also have an outstanding buyer benefits program which could save you thousands of dollars across all the key elements of the home buying process.

email me at Broker@BestPracticesRealty.com for full details.

Leah McNamara GRI BPOR
Managing Broker
Best Practices Realty
Direct: (210) 745-1411
email: Broker@BestPracticesRealty.com
0 votes Thank Flag Link Sat Jun 23, 2012
Hi Pamela!

Lenders will typically look at FICO scores from the 3 credit agencies and then look at other factors as well - this may mean that you're even in better shape than you think. VA loans are awesome because they require 0% down and interest rates are at record lows.

It's best to speak with a competent lender to get a complete picture and get pre-approved. I would highly recommend Lisa Warren of SWBC Mortgage to assist you. Here is her info:

Lisa Warren
Senior Mortgage Banker - SWBC Mortgage
NMLS# 227358
8400 Blanco Rd, Ste 100
San Antonio, TX 78216

She is super easy to work with. Let her know Darrell recommended her and when you are set to find a home, I'll be glad to assist. If you want to speak to her today, Saturday, give me a call and I can get you in contact with her.


Darrell D. Drouillard
Home Team of America
16719 Huebner Rd., Bldg 4
San Antonio, Texas 78248
210-881-6760 (Fax)

'Serving all Your Real Estate Needs'
0 votes Thank Flag Link Sat Jun 23, 2012
Thank you for your service to our country !

Only the mortgage broker who is reviewing your loan application make that decision.

Lynn911 Dallas Realtor & Consultant, Credit Repair Advisor
Multimillion Dollar Sales Producer

Follow me on Facebook
0 votes Thank Flag Link Sat Jun 23, 2012

I suggest you give Sean O'Donnell, Senior Mortgage Counselor with Patriot Bank Mortgage, a call @ 210-860-7783 as your very next step. He is honest, knowledgeable and doing it the right way for the right reasons. He has a weekly radio show(search "seanthemortgageguy"), industry respect and unlike most lenders, he works weekends, and has a son in The Marine Corps. Best of luck.

0 votes Thank Flag Link Sat Jun 23, 2012
yes it is. Don Eyerman 210-380-9290
0 votes Thank Flag Link Sat Jun 23, 2012
Give me a call I have a few lenders who can help you make your goal a reality. My services would be free to you as a buyer.

Best Regards

Johnny E Williams
Web Reference: http://www.sahomestx.com
0 votes Thank Flag Link Sat Jun 23, 2012
Hi Pamela, yes, it is possible. I know lender who can help you. If you want my help for free, please let me know.
Good Luck.
Jose L. Novelo
0 votes Thank Flag Link Sat Jun 23, 2012
Sure. There are other things they look at in qualifying you, but it is possible with the information you gave. You need to contact a lender, however, to get the full picture and get pre qualified. I know several that are VA specialists and would love to help you. Call me and I can give you their names. Good luck.
0 votes Thank Flag Link Sat Jun 23, 2012
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