Credit Score in Sacramento County : Advice

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Megan Miller, Home Buyer in Fresno, CA
Megan Miller answered:
My credit score is currently 580, what are my chances for getting pre-approved for a home loan?
Have you tried The Lenders Network? They helped me find a lender that approved our loan and my score was just 590. I highly recommend them. Hope this helps!
1 vote Share Flag Sat Aug 22, 2015 Credit Score in Sacramento
Sheryl Arndt, Real Estate Pro in California
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
Jaime Becker, Real Estate Pro in Sacramento, CA
Jaime Becker 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?
Hi Sonia

How are things coming along? Did you ever get your credit score up and purchase a condo?
0 votes Share Flag Thu May 7, 2015 Credit Score in 95816
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
Jill Ramsey, Real Estate Pro in Vancouver, WA
Jill Ramsey 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?
Reach out to a local lender. A good lender will collect a complete credit application from you, run your credit score and submit to under writing for review. That way, you know for sure ... more
0 votes Share Flag Tue May 20, 2014 Credit Score in Sacramento
Jessica Bate…, Real Estate Pro in Los Angeles, 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 Los Angeles, 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 - 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
Gina Borges-…, Real Estate Pro in Sacramento, CA
Gina Borges-Valdez answered:
What is Sacramento's average credit score?
I would check with your lender. Since he/she works with scores everyday they might have that data. If you are wondering what score you need to qualify for a loan then I would again dire ... more
0 votes Share Flag Sat Jun 9, 2012 Credit Score in Sacramento
Scott Ellwood, Real Estate Pro 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
So Cal Homes…, Real Estate Pro in Hemet, CA
So Cal Homes 951-821-8211 answered:
deed in lieu vs short sale which is better on credit?
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 and Jessica Laude answered:
I have bad credit, can I still rent a house?

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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