Home Buying in 83330>Question Details

Maddiemylove…, Home Buyer in 83330

can I get a home loan with a 596 credit score and a VA loan certificate in Idaho?

Asked by Maddiemyloved1, 83330 Sun Oct 16, 2011

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3
The credit score is just one of many variables, so "it depends". Are you a first time home buyer or do you qualify for IHFA financing? It also depends on your income, your debts, your job history, etc.

If you apply somewhere and get turned down, find out why. Then call another lender and mention that issue and keep trying since all lenders are not created equal. VA just sets the minimum guidelines, but lenders have their additional criteria an "overlays".

Best of luck!
Jim
0 votes Thank Flag Link Mon Oct 17, 2011
I do know a lender that can get loan approval for you. I just closed on a VA purchase and the property was a manufactured home.
Give me a call and I will give you the contact information.
Sincerely,
Sara Bullers 208-539-6889
0 votes Thank Flag Link Sun Oct 16, 2011
Check with a local Wells Fargo loan officer , as it seems they are able to do loans a lower scores.
0 votes Thank Flag Link Sun Oct 16, 2011
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