Credit Score in New York : Real Estate Advice

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Mack McCoy, Real Estate Pro in Seattle, WA
Mack McCoy answered:
I've been told you can get several pre-approvals in a certain time period where as it only affects your credit once. Is this true?
It is true, and if your credit score is that shaky, maybe it's not ready to carry a thirty-year mortgage commitment just yet.
0 votes Share Flag Tue May 14, 2013 Credit Score in New York
Bruce McInty…, Real Estate Pro in Bronx, NY
Bruce McIntyre answered:
Can buy a condo ,coop or house with poor or fair or bad credit ?
You will have a better chance at purchasing a home or condo with fair credit. Some banks are doing fha loans with a credit score of about 600. Please feel free to reach out to me so tha ... more
0 votes Share Flag Tue May 14, 2013 Credit Score in Bronx
Gregory Schr…, Real Estate Pro in Beacon, NY
Gregory Schreiber answered:
I have a 530 credit score and my wife has a 596. Would i be able to obtain a mortgage as a first time home buyer?
There are other factors involved. You will need to speak to a reputable mortgage professional to know for sure.
0 votes Share Flag Tue Oct 22, 2013 Credit Score in Wappingers Falls
Jim Olive, Real Estate Pro in Key West, FL
Jim Olive answered:
I have a lot of old stuff on my credit report.Do I wait till it falls of after 7 years or do I try to pay it up?
Did you buy the stuff? Is it legitimate debt? If "yes", then pay it. If your failure to pay on time has led to rediculous penalties, work out an arrangement to reduce those penalties ... more
0 votes Share Flag Wed Apr 23, 2014 Credit Score in New York
Shane Milne, Real Estate Pro in Laguna Niguel, CA
Shane Milne answered:
Can the lender ruin your credit without contacting you if you co-signed a loan.?
Were they supposed to contact you? On my friend's loan which his parents co-signed on, only he was contacted about getting behind on his payments because they only mail correspondence ... more
0 votes Share Flag Mon Jan 7, 2013 Credit Score in New York
Anna M Brocco, Real Estate Pro in Williston Park, NY
Anna M Brocco answered:
If my husbands highest score is 601 and mine is 730 and imcomes are enough to purchase can we get approved for an FHA loan within the next month?
Be aware that a mortgage pre-approval letter is required in order to determine your price range and for any offers to be taken seriously, therefore for a personalized answer visit with ... more
0 votes Share Flag Tue Dec 4, 2012 Credit Score in Queens
Ron Thomas, Real Estate Pro in Fresno, CA
Ron Thomas answered:
One more questions. Does any mortgage people or agents on here know about these credits scores? The bank gave me a copy of mine that says 770 but i
A Credit Score is actually 3 scores; Your's may be 789, 780 and 770.
A Lender can use any combination to justify their decisions.

770 is pretty terrific score, and 789 is exceptiona ... more
0 votes Share Flag Wed Apr 23, 2014 Credit Score in New York
Anna M Brocco, Real Estate Pro in Williston Park, NY
Anna M Brocco answered:
Filed Bankrupcy on 2010 for Chapter 7, now I had a credit score of 650 and interesting to buying a COOP on 350 Richmond Terrace, Staten Island NY
Was the bankruptcy discharged...keep in mind that when it comes to co-ops, boards do have their own financial requirements that must be met in order to be approved, and each building is ... more
0 votes Share Flag Sun Sep 1, 2013 Credit Score in 10301
Trulia Miami…, Other/Just Looking in Miami Beach, FL
Trulia Miami Beach answered:
credit score guidelines for mitchell lama coops
Hi Braham,

Do you have a listing available on Trulia so that we know what you are referring to?

Thanks,
Ali, Community Manager
0 votes Share Flag Wed Oct 24, 2012 Credit Score in New York
Gail Gladsto…, Real Estate Pro in 11743, NY
Gail Gladstone answered:
Advise needed on getting a credit score as a non-US citizen - dont have a SSN. Cheers, Michael
Michael,

I am going to give you the contact information of a mortgage banker (not a bank) who is quite knowledgeable in this area.

Feel free to email Brian Tom at btom@cliffcomort ... more
0 votes Share Flag Tue Nov 24, 2015 Credit Score in 11249
Sawandi Boyke, Real Estate Pro in New York, NY
Sawandi Boyke answered:
hello trulia im looking for someone that can assist me in removing charge off on my credit report and raise my scores within a few months
Hey Clement, please email me at your earliest convenience. I have a professional that works with all of my company's offices. I refer all my clients with similar situations to him. M ... more
0 votes Share Flag Wed Sep 19, 2012 Credit Score in Brooklyn
Thomas Brady, Real Estate Pro in Plainview, NY
Thomas Brady answered:
Is a credit score of 630 good enough to buy a house.?
Yes depending which type of mortgage you use. I would be happy to send you the contact information for a lender that will give you a free pre-approval. You will need a pre-approval to s ... more
0 votes Share Flag Tue Sep 11, 2012 Credit Score in Lindenwood
Patrick Fiel…, Real Estate Pro in Plano, TX
Patrick Fields answered:
what is the highest credit score you can have?
850 is the highest score on the scale but the range of 700 to 850 is considered excellent.
0 votes Share Flag Mon Aug 6, 2012 Credit Score in 11236
Christine Go…, Real Estate Pro in New York, NY
Christine Gordon answered:
Any suggestions for where to get a free and secure credit report?
Go to www.myfico.com and you'll be able to get a free copy of your credit report and score. They'll ask you for a credit card as you're filling in the information on the site because y ... more
0 votes Share Flag Fri Mar 22, 2013 Credit Score in New York
Christopher…, Real Estate Pro in Tarrytown, NY
Christopher Pagli answered:
need a mortgage wtih a 550 credit score
Hi, Contact Christian Babcock at Mortgage Master Ince and he will advise you accordingly.

Chris
0 votes Share Flag Fri Sep 21, 2012 Credit Score in 10801
Filomena Mun…, Real Estate Pro in Bayside, WI
Filomena Muncipinto answered:
will a credit score of 666, 680, and 639 help me get approved to rent a apartment?
If you are renting a CO-OP, definitely NO! If it's an apartment in a private house, then it all depends on what exactly shows in your report! There can be extenuating circumstanc ... more
0 votes Share Flag Tue Dec 4, 2012 Credit Score in Fresh Meadows
Anna M Brocco, Real Estate Pro in Williston Park, NY
Anna M Brocco answered:
How long do you need credit to buy a home? I have the money for down payment & fair credit. 6-12 months?
There are other factors besides credit that determine mortgage qualification, such as income, debt, etc.; therefore if you haven't visited with any licensed loan officer, for a personal ... more
0 votes Share Flag Sat Apr 28, 2012 Credit Score in Atlanta
Michael McGo…, Real Estate Pro in Los Angeles, CA
Michael McGovern answered:
Has anyone had a bad experience with a credit repair company? Has anyone used more than one company?
I would not spend the money for a credit repair company, you can do it yourself. Get a secured credit card and start rebuilding your credit on your own.
0 votes Share Flag Mon Apr 16, 2012 Credit Score in Jamaica Estates
Anna M Brocco, Real Estate Pro in Williston Park, NY
Anna M Brocco answered:
NY mortgage with a 627?
Since there are other factors besides credit that determine mortgage qualification, for a personalized answer do visit with any licensed loan officer; be aware that a mortgage pre-appro ... more
0 votes Share Flag Mon Feb 27, 2012 Credit Score in Plattsburgh
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