Home Buying in Vacaville>Question Details

Kesha, Home Buyer in Vacaville, CA

looking for home loan

Asked by Kesha, Vacaville, CA Wed Jul 10, 2013

Hello my name is Kesha im a first time home buyer i have never owned a home before im looking for lenders that work with lower fico scores and challenged credit I have had many brokers run my credit saying im pre approved and the only thing i have is a lower score because of the many inquires please help

Help the community by answering this question:


The inquires are not the problem.

To raise the credit score, pay off the credit cards.

Or if you need to buy a home now, the last post Sheryl Arndt has been on Trulia for a long time. She says she can do FHA loans down to 500, she has been posting her for a long while I would think she is credible.
0 votes Thank Flag Link Wed Sep 11, 2013
Hello Kesha, there are many lenders with overlays and minimum fico score requirements. I offer FHA with fico scores between 500-579 with 10% down or minimum 580 fico scores may qualify for 3.5% down or as low as half percent down payment program. You may qualify to buy with minimum out of pocket expenses and pay less than rent. It only takes a few dozen questions to qualify you in minutes and go over your options.

I specialize in Under 640 Fico Score Loans and offer credit repair at no cost to raise fico scores to qualify. I can raise fico scores within 3-4 days in most cases. Here is a needs list to gather for processing a loan approval, DU Approval or pre-approval letter to get out shopping for a home of your choice. http://tinyurl.com/l9ctod4

Here are some links to study and consider that I offer.






Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
REO & Short Sale Specialist
Credit Repair At No Cost
ALL Loan Programs Available
20+ Years Experience
DRE# 01140252
NMLS# 297251
9am till 7pm 7 days

If my response was helpful, consider clicking thumbs up or Best Answer!
0 votes Thank Flag Link Sun Sep 1, 2013
We can certainly help you out. You can check us out at http://www.TheMortgageOutlet.com and give us a call. One of our loan officers will look at your situation and present you with some options.
0 votes Thank Flag Link Sat Jul 13, 2013

Just running your credit will not lower your score. Have one of your previous lenders send you a copy of your credit report so that you can really get to the bottom of what's bringing your score down. New credit inquiries contribute to only 10% of your overall FICO profile.

Let me know if I can help further and get you started on the right path.

Rob Spinosa
0 votes Thank Flag Link Thu Jul 11, 2013
Why would you have many brokers run your credit if they are all saying you are pre-approved? You shouldn't have them run your credit anymore.
0 votes Thank Flag Link Wed Jul 10, 2013
I have only had One broker not run my credit i give my information stubs, bank statements ect.. then im told im pre approved in new to the process and getting frustrated i really dont know what my real options are
Flag Thu Jul 11, 2013
Lay off running your credit for the next 90 days. Get your credit score back up!
0 votes Thank Flag Link Wed Jul 10, 2013
I really like Loli Lonso with Solano Mortgage. She repairs credit as a hobby and is an amazing lender to work with! Her number is (707) 863-4486. Her email is llonso@solanomortgage.com
0 votes Thank Flag Link Wed Jul 10, 2013
Thank you Kelli
Flag Thu Jul 11, 2013
Search Advice
Ask our community a question
Email me when…

Learn more

Copyright © 2014 Trulia, Inc. All rights reserved.   |  
Have a question? Visit our Help Center to find the answer