Credit Score in Ohio : Advice

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Andrew Wilki…, Trulia Community Manager in San Francisco, CA
Andrew Wilkinson answered:
I short saled my home in Florida in December of 2011, after my husband and I both lost our jobs and were forced to move out of state.
Hi there Tracy,

It certainly sounds like Regions Bank is acting very shadily with you here. I hope you can get it sorted out soon. I'm also sorry that you haven't received any new an ... more
0 votes Share Flag Thu Apr 4, 2013 Credit Score in Lebanon
Matt Helpling, Real Estate Pro in Centerville, OH
Matt Helpling answered:
Where near 44512 Can I find a lender for a mortgage with a 616 credit score? The homes I'm looking at are 50k and under....
I do have lenders that will go down to 580 credit score. I will have to double check the minimum loan amount. The mortgage would have to go FHA which means you will need 3.5% down payme ... more
0 votes Share Flag Tue May 14, 2013 Credit Score in 44512
Trevor Curran, Real Estate Pro in Great Neck, NY
Trevor Curran answered:
Have a 612 credit score. Need an FHA mortgage and advice. Please help!
Good morning bdremployment,

Many Lenders today require a minimum credit score of 640 to qualify for mortgage financing. If your credit score is less than 620, this is BAD credit.
... more
0 votes Share Flag Wed Jun 17, 2015 Credit Score in Dayton
Dan Tabit, Real Estate Pro in Issaquah, WA
Dan Tabit answered:
can i sue the bank if they reun my credit record?
Only an attorney can evaluate what your situation is and advise you. To be successful in most law suits, you have to prove damages. If the bank's activity cost something ... more
0 votes Share Flag Tue Aug 21, 2012 Credit Score in Batavia
Duane Johnst…, Real Estate Pro in Uniontown, OH
Duane Johnston answered:
whats the lowest credit score you can have to purchase a homepath home?
That depends on the lender, but for the most part 620-640 is about the lowest the banks are going.
0 votes Share Flag Mon May 21, 2012 Credit Score in 43701
Alain Picard, Real Estate Pro in Puyallup, WA
Alain Picard answered:
Can I get a home loan with a credit score of 632?
Your credit score of 632 should be good enough for a lot of lenders however your debt to income ratio and some other things will need to be good enough as well. The best thing to do is ... more
0 votes Share Flag Tue Jun 9, 2015 Credit Score in Waterville
Hermine Niesz, Real Estate Pro in ,
Hermine Niesz answered:
I am trying to improve my credit score so I can purchase a home.
Not a great still have the debt.....Can you transfer to a lower interest rate and pay off faster? I would talk with a lender that can help you improve your scores and take ... more
0 votes Share Flag Mon Aug 6, 2012 Credit Score in 45236
John Walin, Real Estate Pro in Libertyville, IL
John Walin answered:
What credit scores are getting home loans?
620 is minimum, but on top of that, debt to asset ratio, job stablity and income verifiable. At low score you also pay a risk adjustment premium to the rate, so you hear 4% now for bes ... more
0 votes Share Flag Thu Feb 23, 2012 Credit Score in Columbus
James  Deski…, Real Estate Pro in Worthington, OH
James Deskins answered:
Where are the lenders that work with a 560-595 scores in OH. I want to purchase a house for $68,000. Please help...
Rod: Andy Deutschle, American Eagle Mortgage, 614-737-2508. He will be able to help you.

Good luck.
0 votes Share Flag Tue Oct 25, 2011 Credit Score in Columbus
Tim Taylor, Real Estate Pro in Powell, OH
Tim Taylor answered:
what is the lowest credit score you can have to obtain a loan?
Hi Michelle,
The acceptability of a credit score depends on the lending institution and the type of loan you're pursuing. FHA hasn't had a minimum score for some time, but mo ... more
0 votes Share Flag Wed Mar 14, 2012 Credit Score in Columbus
Brian Rayl, Real Estate Pro in Dallas, TX
Brian Rayl answered:
does havin a credit score of 560 mean i can never buy a home?
Absolutely not!

There are some lenders who can work with lower credit scores. The difference between a 560 and a 640 really is not that much at all. I would suggest that you find a R ... more
0 votes Share Flag Tue Jun 7, 2011 Credit Score in Washington Court House
Robin Silver…, Real Estate Pro in Garden City, NY
Robin Silverberg answered:
I curently live with my parents and was asked by my mom if my sister and i both can qualify to purchase the home or at least get name on it for now.
There are 2 issues here, 1 is your credit score, which will not allow you to qualify. The other is whether there is a specific reason that your mother asked about this? If your parents ... more
0 votes Share Flag Wed Feb 23, 2011 Credit Score in 44119
Chris Schill…, Real Estate Pro in Houston, TX
Chris Schilling answered:
How long does it take to get a credit tradeline added back to someone's history if it was removed erroneously? Please read:
I've seen this take 30 days really depends on which day the creditor uploads their data. Depending on the timing it could be a couple days to 2 months....

Best ... more
0 votes Share Flag Sat Feb 28, 2015 Credit Score in Columbus
Anna M Brocco, Real Estate Pro in Williston Park, NY
Anna M Brocco answered:
I am looking for a lender that approves mortgage loans for a credit score of 593.
Visit with any qualified loan officer(s), see exactly what your budget can handle and check your credit score--their scoring is different--your loan officer may offer suggestions on how ... more
0 votes Share Flag Sat Aug 25, 2012 Credit Score in 44125
Cindy, Home Buyer in Cuyahoga Falls, OH
Cindy answered:
Will a broker tell me what credit model they are using before running my credit?
why did that make a difference and why will it delay your closing.

you can sign the contract on the home you want now. if you don't it is going to be too late to get it closed ... more
0 votes Share Flag Mon Oct 26, 2009 Credit Score in Munroe Falls
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