635 Credit Score All Locations : Advice

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Showing results for 635 Credit Score [Clear search]
Susie Reichl…,  in Dallas County, TX
Susie Reichley answered:
I want to buy a home but I have a student loan being garnished from my income. I only owe 2,000 but the full balances are showing on my credi report.
It sounds like you are trying to get your credit back on traack. It may take another year to get charg-off reconsidered, and there is one program that does not make their decision not t ... more
0 votes Share Flag Mon Jul 23, 2012 Financing in 75063
Jim McCowan, Real Estate Pro in Arlington, VA
Jim McCowan answered:
My fiance and I want to get pre-approved for a mortgage. Will it hurt his credit if he tries to get approved ...
It won't hurt, but it might be a good idea to do it together just so you'll know what your credit scores are.
0 votes Share Flag Tue Feb 1, 2011 Credit Score in 20152
Lisa Moroniak, Real Estate Pro in Ashburn, VA
Lisa Moroniak answered:
I am planning on moving into the Ashburn area towards the end of this school year with my family and like Brambleton. I am in a rebuilding phase with
Hello,

There are always opportunities - it's a matter of prudent networking and negotiation on the part of your agent.

I recommend as a next step in the process, to sit dow ... more
0 votes Share Flag Fri Jan 21, 2011 Home Buying in 20148
Ryan Smith, Real Estate Pro in Murrieta, CA
Ryan Smith answered:
My husband and I are looking to buy a home but both our credits are bad.
There are several credit councilors and repair companies throughout the U.S. I would contact one of them to help you get back on track. You can even contact some local lenders and many ... more
0 votes Share Flag Thu Dec 16, 2010 Home Buying in Coral Springs
lol,  in Virginia Beach, VA
lol answered:
When will the real estate market recover?
Different areas will start to recover slower than others.
It looks like Hampton Roads in Virginia is already recovering.
0 votes Share Flag Thu Jan 27, 2011 General Area in Miami
Linda Hedgep…, Real Estate Pro in Littleton, NC
Linda Hedgepeth answered:
Credit is above 620, but utilization is high - appx 75%. What % utilization is recommended for a VA Loan? ...
That's an interesting question. For the best and latest information, go to Military.com and research VA. If you're a member of the Navy Federal CU, they will have the most u ... more
0 votes Share Flag Sun Dec 12, 2010 Credit Score in Norfolk
Scott Godzyk, Real Estate Pro in Manchester, NH
Scott Godzyk answered:
i am trying to buy a home for 400000 it wont go fha its in okla i have a 635 score and 50000 to put down what ...
If it wont go fha, simply try a conventional loan. Inmost cases it is only 5% down which is only $20,000 and within your budget. The only way you will be able to know what you will be a ... more
0 votes Share Flag Thu Aug 19, 2010 Home Buying in 73401
Jason Stevens,  in Englewood, FL
Jason Stevens answered:
Better to payoff all debt or keep cash for down payment?
Newtove - I'm sure you will get all kinds of responses with this question but I would ask your loan offer what to do. By the sounds of it you will get approved for a mortgage even ... more
0 votes Share Flag Thu Sep 22, 2011 Financing in Ashburn
Steve Roake, Real Estate Pro in Aurora, IL
Steve Roake answered:
I was recently given very bad advice by my mortgage broker, which was to pay off some old outstanding debts prior to closing. Once I did so,
There may be lenders out there who will lend to people below 620. I haven't had any luck getting approvals, so I don't know if they will work. I used Google to find the site ... more
0 votes Share Flag Wed Jul 21, 2010 Home Buying in Orlando
Scott Godzyk, Real Estate Pro in Manchester, NH
Scott Godzyk answered:
I am thinking about selling my home in LI to move back to Brooklyn to be closer to family. I need the money from the sale to buy a new home.
Cynthia if you are under water your best option is asking teh bank to complete a short sale, you will want to find a listing agent who is experienced in short sales, they can assist in ... more
0 votes Share Flag Wed Jun 30, 2010 Home Selling in Valley Stream
Bruce Lynn, Real Estate Pro in Coppell, TX
Bruce Lynn answered:
Lease-to-own ... pros and cons... or is it better to do owner-financing (if you can get it)?
Nancy,

None of the above.

Lease/Purchase is basically outlawed in Texas. Just too many people who would take the buyer's money.
You still see signs and ads, but there are p ... more
0 votes Share Flag Tue Feb 12, 2013 Financing in Springtown
Anna M Brocco, Real Estate Pro in Williston Park, NY
Anna M Brocco answered:
My fiancée of 3 yrs and i are looking to buy a house soon... Odds of being approved
Consider visiting with any qualified loan officer(s), have him/her run your financials and credit score--their scoring is often different--determine if you do qualify and see exactly wh ... more
0 votes Share Flag Tue May 25, 2010 Home Buying in Sacramento County
Jesse Sierra, Real Estate Pro in Chino Hills, CA
Jesse Sierra answered:
if im a first time buyer and i want 2 purchase a house but dont know where 2 start what should i do?
Hi Star,

First of start by gathering the following documents:

2 most recent complete tax returns (2008 and 2009)
2 most recent bank statements (March and April)
2 most recent pa ... more
0 votes Share Flag Sat Jan 26, 2013 Home Buying in 92336
Dallas Texas, Real Estate Pro in Dallas, TN
Dallas Texas answered:
my spouce and i make about 30k a year together ss/retirement car loan 3k/4k in o ... preqaulify for home loan for 70k my credit 635 his 535 ...
Best confer with a mortgage broker who can review your entire file and true credit scores.

However based on his credit scores of 535 (unconfirmed where you obtained that score) No y ... more
0 votes Share Flag Fri Apr 30, 2010 Home Buying in Galveston
Levi Stubbs, Real Estate Pro in Valrico, FL
Levi Stubbs answered:
Hi I am looking to buy a home. To start me an my husband are on a limited budget ... combined credit it not that great neither is it ...
What city are you looking to buy in? Your fist step is to get with a Mortgage Broker, maybe at your local bank, and find out how much you can get pre-qualified for. Or you can find a Re ... more
0 votes Share Flag Thu Sep 2, 2010 Home Buying in 27520
Bob McClure, Real Estate Pro in Walled Lake, MI
Bob McClure answered:
FHA in Central Florida? Davenport 33897, Clermont, Kissimmee 34747.
good afternoon.....your scores are okay...why not call me...3.5% down ....fha best regards...bob mcclure..first preferred mortgage- southfield, michigan....
0 votes Share Flag Fri Apr 24, 2015 Financing in Clermont
Barbara Van…, Other/Just Looking in Folsom, CA
Barbara Van Duyn answered:
My husband and I would like to purchase a home in Anatolia, Rancho Cordova. We are first time home buyers. We both gross $150,000. My husband has
Hi HH09 -

Need to know more.
Define poor credit?
What is your husband's gross monthly income?

Barbara
0 votes Share Flag Wed May 19, 2010 Home Selling in Rancho Cordova
Anna M Brocco, Real Estate Pro in Williston Park, NY
Anna M Brocco answered:
Is it easier to buy a foreclosed home with not-so-perfect credit, and how long does it typically take to g ...
Work on getting your not so perfect credit to almost perfect first--visit with any qualified loan officer(s) and see exactly what your budget can handle and check your credit score--he/ ... more
0 votes Share Flag Wed May 19, 2010 Financing in Temple Hills
Jennifer Smi…,  in Virginia Beach, VA
Jennifer Smith answered:
I have a mid score of 580 and a monthy income of $7000.
I have made a call into my lender to get you an informed answer to your question.
0 votes Share Flag Sat Aug 10, 2013 Home Buying in Virginia Beach
Sean Dawes, Other/Just Looking in Philadelphia, PA
Sean Dawes answered:
short sale my condo in DC
Jerry,

Will they even approve a short sale? If you are making payments and havent had a hardship why would they even want to do a short sale. I am seeing a number of people trying t ... more
0 votes Share Flag Mon May 23, 2011 Home Selling in Washington
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