Mortgage Broker or Lender, Laguna Niguel, CA
Most lenders are looking for a 620 or 640 score to qualify, so being that your middle score is a 625 could have options (including us). What is equally as important as your scores though is what is on your credit that has impaired your scores, when it happened, and if it's still past due/owing or not. The most recent 12 months are what is most important, but a lot of loan programs call for 24 months of nearly clean credit history. Late payments (if more than just an isolated incident), charge-offs, non-medical collections, tax liens & judgments that have all occurred in the past 12 months usually will require you to wait until at least that amount of time has passed. Also, make sure you are getting your credit scores from a reliable credit source (such as a mortgage broker or lender) as there are a lot of websites that give consumers scores which aren't the exact same scores that mortgage lenders get.