Credit Score in Arizona : Advice

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Jennie Miller…, Real Estate Pro in Phoenix, AZ
Jennie Miller, Pllc answered:
My credit scores are 612EQ, 618EX, and 646TU....how can I get the other two up with TU?!?
Have you spoken with a credit repair company? A couple of my clients have used one and see great success--and they can make recommendations that will increase your score even though yo ... more
0 votes Share Flag Tue Oct 22, 2013 Credit Score in Gilbert
Dave Pries, Real Estate Pro in Phoenix, AZ
Dave Pries answered:
Can I get a home loan if I am a homemaker?
This question is outside of a Realtors scope of work, and is best addressed with a lender. Peter Bartolini at Prime Lending (480-538-4953) will be happy to answer all your questions an ... more
0 votes Share Flag Tue Jun 11, 2013 Credit Score in 85023
Debra (Debbi…, Real Estate Pro in Livingston, NJ
Debra (Debbie) Rose answered:
can I buy a house in Arizona right now with bad credit?
Let me understand this..............you have "bad" credit, and you are in the middle of, or had, a foreclosure and still have unpaid tax liens ?

No, you can't buy another house a ... more
0 votes Share Flag Fri Jan 25, 2013 Credit Score in Arizona
Jim Mitchell, Real Estate Pro in Tempe, AZ
Jim Mitchell answered:
How to get financing to purchase a home in az with a low credit score?
Since you have a good amount of cash to put down ($20k would be 20% on a $100k purchase), I might have a few lenders that can get you approved.

Send me an email and I'd be glad to sh ... more
0 votes Share Flag Sat Jun 23, 2012 Credit Score in Phoenix
David Karaffa, Real Estate Pro in Mesa, AZ
David Karaffa answered:
In desperate need of guidance for my family, Whats our first steps?
Andrea, I would be more than happy to talk to you and give you some guidance with your situation. Happy to help in anyway that I can. Please give me a call at 480-686-3022 or shoot me ... more
0 votes Share Flag Mon Jul 30, 2012 Credit Score in Mesa
Dan Tabit, Real Estate Pro in Issaquah, WA
Dan Tabit answered:
FICO 640-680. AGI 89,000. Debt 31,000 Min Month Pymt on Debt 900 Down Payment 12,000. Can we qualify for a 150,000 mortgage?
Jennifer,
Possibly, only a lender with a complete application and documentation can approve or deny you, but your presented facts don't exclude the possibility.
You could qualify f ... more
0 votes Share Flag Tue May 15, 2012 Credit Score in 85383
Anna M Brocco, Real Estate Pro in Williston Park, NY
Anna M Brocco answered:
what is the minimum credit score you can have for an FHA loan in phoenix.?
Credit score requirements are the same no matter the location; generally most lenders work with 640.
0 votes Share Flag Sun Dec 18, 2011 Credit Score in Arizona
Suzanne MacD…, Real Estate Pro in Morristown, NJ
Suzanne MacDowell answered:
My credit score is 540, but the only credit ding I have is a past due judgement for Child Support. I have records of payments however. I want to buy
Call a real estate agent! They will happily refer you to a good mortgage lender who will look at your current situation and tell you what you can and cannot do immediately. Even if yo ... more
0 votes Share Flag Mon Feb 2, 2015 Credit Score in San Tan Valley
asked:
can i buy a home with a credit score of 551? i wanted to but this home but my credit is at 551 i would be a 1st time buyer.i have excellent history of paying all my bills ahead of time

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This question is about this property: htt...
0 votes Share Flag Mon Jun 11, 2012 Credit Score in Mesa
Scott Godzyk, Real Estate Pro in Manchester, NH
Scott Godzyk answered:
How to buy my first house with poor credit but money for the down and then money to pay mortgage.?
If you credit is really bad, that may not be enough of a down payment, in most cases bad credit needs 20% down, however the only way to tell is to meet with a local and trusted mortgage ... more
0 votes Share Flag Mon Aug 22, 2011 Credit Score in 86305
Rosio Robison, Real Estate Pro in Avondale, AZ
Rosio Robison answered:
Low score 549 cant buy a house?
Hi Carrie,

Best advise I can give you is to contact a lender. I can recommend one, he will be able to give you a copy of your credit report for you to review and see exactly what yo ... more
0 votes Share Flag Tue Aug 23, 2011 Credit Score in Maricopa County
Joseph Keres…, Real Estate Pro in San Antonio, TX
Joseph Keresztury answered:
we are a first time homebuyers. My husband is retiring soon but we couldn't approve for a home loan for our credit is pretty bad.
Hi Izalyn,

What exactly is your question your trying to get help with?

Do you have a down payment amount available? If so you can locate some one willing to carry the note themse ... more
0 votes Share Flag Fri Jun 1, 2012 Credit Score in 86305
BG, Home Buyer in Phoenix, AZ
BG answered:
My boyfriend trying to get home loan& his credit score is coming up a zero. Was told to have someone add him as authorized user CC acct? to get
if you Google "prepaid credit cards to build credit", you will see a lot of information.
0 votes Share Flag Mon Jun 11, 2012 Credit Score in Mesa
Gregorio Den…,  in San Diego, CA
Gregorio Denny answered:
Are there any lenders that will do a VA home loan with a 600 middle score?
Yes, it's possible to get a VA loan with that credit score, but please know that the score alone is not the only determining factor. The reasons behind the score being low could st ... more
0 votes Share Flag Tue May 21, 2013 Credit Score in Gilbert
Paul Welden, Real Estate Pro in Phoenix, AZ
Paul Welden answered:
Can you get a mortgage with a credit score of 562 or 604?
Yes, but you'll usually need a larger than normal down payment. Also loan approvals are not entirely based on credit score. Lenders will look at, among other things, your debt to i ... more
0 votes Share Flag Wed Oct 9, 2013 Credit Score in 85023
Greg Urroz,  in Phoenix, AZ
Greg Urroz answered:
My husband and i want to purchase a home, we are 28 years old with 2 kids and not alot of credit can we get a loan with a 600 credit score? in AZ
Future Home Buyer,

If you give me a call I will put you in touch with a couple mortgage brokers that can give you guidance and on the road to home ownership. It may take a few months ... more
0 votes Share Flag Sun Sep 12, 2010 Credit Score in Florence
asked:
I have 2 rental properties that, due to rents dropping, I am paying out (with them fully occupied) $1100 per month. Rents have dropped horribly and the properties are worth $100k less than when I purchased them. When I initially purchased them, in 2006, they were barely cash posative. Banks won't re-finance my loans without ...
0 votes Share Flag Sun Oct 11, 2009 Credit Score in Arizona
Stephen Luck…,  in Baltimore County, MD
Stephen Luckett answered:
My best friend and I bought a house a year ago to take advantage of the low prices. We are both on the loan. Now, we don't get along very well
I am not an attorney, which is what you truly need to answer your questions for your local law. That being said-you are both on the mortgage, which makes you both 100% responsible. If n ... more
0 votes Share Flag Fri Jan 8, 2010 Credit Score in Phoenix
Kent & Emmary…, Real Estate Pro in Tucson, AZ
Kent & Emmary Simpson answered:
fico score at 582, with 15k of assets in bank. Will this qualify for home loan?
That might be just on the outside of an acceptable score - but first, check with a lender. Another resource to find special programs would be Family Housing Resources - they've go ... more
0 votes Share Flag Thu Mar 20, 2014 Credit Score in Tucson
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