I'm a lender, actually spend most of my time in Findlay, Ohio. I can work with scores less than 640 depending on the loan program you were hoping to utilize.
Of course there are guidelines that every loan needs to meet as the other professionals have pointed out ie debt ratio, no late payments in the last 12 months, current housing history and more.
If you'd like to see if I could help you give me a call 888-659-3848. Or if you'd like to apply online you can do that at http://kimlawsonloanofficer.com
Best to you in your search,
Licensed Ohio Loan Officer
Licensing: NMLS: 5601 OH.LO.004495.000
First Priority Financial, Inc.
"Where Open Minds Close More Home Loans"
748 N Court St Ste 201
Medina, OH 44256
MBMB.850147.001 NMLS: 3257
We are an equal opportunity lender.
NMLS # 6395
Financing Kentucky One Home at a Time
I have had many first-time home buyers that desperately wanted to be home owners but were not ready at the time they contacted me. I worked with them and their lender to get that to that point. Sometimes it took a month or two and other times it took close to a year. Either way, we did get them in a home of their own eventually. It takes time, knowledge and patience to work with a first time buyer. Looks like Michael is there to help.
When I am acting as a Buyers Agent, I will help my client figure these things out. If you are interested, please feel free to give me a call and we can look at your finances and see if another bank or mortage company might work for you.
Busy B Realty