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Sr. Mortgage Specalist for Cavalier Mortgage Group
May 2005—present
Financial Center Manager for BB&T
April 2000—April 2005
About:
I am a mortgage broker with Cavalier Mortgage Group. Whether you are a first time homebuyer or seasoned investor, let me offer you the best financing options
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Alvin Lapitan answered:
Hi Ana, it depends on your definition of "really good credit". Although the credit and qualifying guidelines have tightened up recently, there may be some options available to you. VA and FHA (generally) are now requiring at least a 620 credit score (some allow less, but you'll pay a higher premium). VA offers 100% financing, FHA requires 3.5% down. Your best bet is to speak with a well qualified mortgage specialist to analyze your credit and ability to purchase. Things to consider are - what items are negatively impacting your scores? and can you fix them? Do you have a down payment available? Does your income qualify? etc. Your mortgage officer should be able to help you with all of this. Let me know if you have any other questions!
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