Having good credit certainly helps! But we work with lenders who have some really good programs for people with bad credit. Just be prepared to put down a decent down payment, and pay a higher interest rate.

One 10 minute phone call will get you pre-qualified, and give you a good idea of exactly what type of loan you will qualify for.

If you would like more information, call or email me. I would be happy to put you in touch with a lender we trust to be honest about what types of loan options are avaliable for your credit score.

Not at all - you are always welcome to pay cash :)

If you want to buy a house while getting a loan with decent terms, then yes - you need good credit. However there will always be someone willing to lend you money no matter what your credit score if the terms are right (i.e. higher interest rate, higher down payment).

You can have a 300 credit score and I can find someone who will get you a loan...you'll just have to put money down and accept a higher interest rate.

If you have any further questions, or would like a referral to some great lenders, feel free to contact me at http:// http://www.HernandoLuxuryHomes.com - I'd be happy to help.

Your credit score impacts your ability to get a mortgage - and, hence for most, the ability to buy a house. Without needing a mortgage, credit doesn't come into play. However, for most buyers, a mortgage is a part of the process. There are points at which qualifying for a mortgage can become difficult if credit ranges are below certain limits. However, there are numerous mortgage programs and rate options available for a variety of credit histories. Typically, the higher the credit score the lesser the interest rate is going to be for various programs. FHA offers options for those that may have difficulty qualifying for traditional loans that can be a great resource too. Hope that helps! Check out the link I have provided to a variety of information on credit history, scores, and mortgage info too. Best of luck to you.