Credit Score in Sacramento County : Real Estate Advice

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Sheryl Arndt, Real Estate Pro in Woodland Hills, CA
Sheryl Arndt answered:
Can you buy a house with no credit? We don't have bad credit, just none at all.
Hello Kayla, yes you may qualify for FHA with NO FICO scores. Your utility, car insurance, daycare, rental history, etc. can be looked at.

Your qualifications will also be determined ... more
0 votes Share Flag Thu May 12, 2016 Credit Score in Sacramento
Dcaceres, Home Buyer in Saint Petersburg, FL
Dcaceres answered:
My credit score is currently 580, what are my chances for getting pre-approved for a home loan?
http://downpaymentassistanceprogram.org/
0 votes Share Flag Mon May 9, 2016 Credit Score in Sacramento
Brian.young, Home Buyer in Rockford, IL
Brian.young answered:
I am a young physician with a credit score of 587 - hoping to buy a condo in 3 months. Any thoughts on odds of getting a loan?
Licensned in 43 states not just CA, I work for a direct lender in the mortgage industry who offers conventional, FHA VA, and USDA loans. The best part is unlike lendingnetwork we keep y ... more
0 votes Share Flag Mon Dec 28, 2015 Credit Score in 95816
Brian.young, Home Buyer in Rockford, IL
Brian.young answered:
i have a credit score of 606, with ghosts from the past. I have perfect credit history over the last 6-7 years. can someone give me a mortgage?
Licensned in 43 states not just CA, I work for a direct lender in the mortgage industry who offers conventional, FHA VA, and USDA loans. The best part is unlike lendingnetwork we keep y ... more
0 votes Share Flag Mon Dec 28, 2015 Credit Score in Sacramento
Brian.young, Home Buyer in Rockford, IL
Brian.young answered:
What is Sacramento's average credit score?
Licensned in 43 states not just CA, I work for a direct lender in the mortgage industry who offers conventional, FHA VA, and USDA loans. The best part is unlike lendingnetwork we keep y ... more
0 votes Share Flag Mon Dec 28, 2015 Credit Score in Sacramento
Brian.young, Home Buyer in Rockford, IL
Brian.young answered:
My Husband is a Veteran with a COE. We live in Alabama. Middle score is 568 any lenders for Vets with a COE. We are currently rebuilding his credit.
Licensned in 43 states not just CA, I work for a direct lender in the mortgage industry who offers conventional, FHA VA, and USDA loans. The best part is unlike lendingnetwork we keep y ... more
0 votes Share Flag Mon Dec 28, 2015 Credit Score in Sacramento
Sheryl Arndt, Real Estate Pro in Woodland Hills, CA
Sheryl Arndt answered:
can you get va loan with low credit score?
Hello Cos40, yes because VA/CalVet home loans are not fico score based loans. We as a mortgage broker have a few banks that have no fico score requirements However, VA or CalVet do have ... more
0 votes Share Flag Thu Jun 25, 2015 Credit Score in 95626
Cindy Davis, Real Estate Pro in San Diego, CA
Cindy Davis answered:
Can I improve my credit score, 535, even if all of my credit card bills are in collection?
Absolutely. The secret to improving your score is simple. Pay off those debts, one by one. I would pick the lowest amount of debt and pay it off, then the next, and so on. Try to see if ... more
0 votes Share Flag Mon May 26, 2014 Credit Score in Sacramento
Jessica Bate…, Real Estate Pro in Beverly Hills, CA
Jessica Bateman answered:
need to know about building home on land va does allow and what type of credit do i need can i have a co-borrow
There are a select few lenders willing to go down to a 600 score sometimes lower for VA but they are hard to find. I would recommend The Lenders Network they have helped several of my c ... more
0 votes Share Flag Wed Aug 21, 2013 Credit Score in 95626
Jessica Bate…, Real Estate Pro in Beverly Hills, CA
Jessica Bateman answered:
va loan credit qualification ,buy land to build a home
Yes you get a home loan now. I tell all my clients with lower scores to visit The Lenders Network, I have had several of my clients get approved and close with scores under a 580. So if ... more
0 votes Share Flag Sun Jul 21, 2013 Credit Score in 95626
Jackie, Other/Just Looking in Seattle, WA
Jackie answered:
How does a short sale affect a credit score?
This article goes into more details - http://practicallist.com/real-estate-short-sale with fico and fannie mae data and documents you can download to use as a check off list when doing ... more
2 votes Share Flag Tue Oct 9, 2012 Credit Score in Sacramento
Scott Ellwood, Other/Just Looking in Solana Beach, CA
Scott Ellwood answered:
I am 18 and I am thinking about moving out of my house. I have no credit score. How long would it take to get a good credit score for me?
Hi Pueyoadrian,
You can buy a home after one year of good credit rating on at least 3 accounts. 4 or 5 would be better. But don't over extend yourself. You can open up a few credit ca ... more
0 votes Share Flag Tue Jun 5, 2012 Credit Score in Sacramento
Harold Sharpe, Real Estate Pro in Menifee, CA
Harold Sharpe answered:
deed in lieu vs short sale which is better on credit?
Rome,
A short sale is the way to go.
You will have a credit impact for payments you don't make probably for a couple of years.

on the deed in leiu is the same as a foreclosure ... more
0 votes Share Flag Thu Feb 10, 2011 Credit Score in Carmichael
Kevin Olson,…, Real Estate Pro in Colorado Springs, CO
Kevin Olson, Jessica Laude answered:
I have bad credit, can I still rent a house?
Christina,

Honesty is key with property management companies, and letting them know up front about the situation will get you much further than just applying without telling them. I ... more
0 votes Share Flag Tue Nov 16, 2010 Credit Score in 95621
Hannah Flieg…, Real Estate Pro in Larkspur, CA
Hannah Fliegel answered:
My question is why do most banks tell the homeowner "They can't talk to them until they are 90 days late"?
Hi Chris,

There is only one way to protect your credit if you are current on your loan and send your lender a "qualified Written Request" first. Then, if you default and t ... more
0 votes Share Flag Sun Sep 13, 2009 Credit Score in Fair Oaks
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