Credit Score in Dallas : Questions & Answers

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Michael Abra…, Real Estate Pro in Chicago, IL
Michael Abramsky answered:
why don't yall work with people who have a low credit score,i can afford my payment on some of these places I have looked at.i also casn put a down pa
Consumers with low credit scores are considered high risk for lenders. Work on increasing your credit scores and getting a home loan will be much easier.

Here are a few tips to help ... more
0 votes Share Flag Tue Jan 6, 2015 Credit Score in North Dallas
Bart Gabe, Real Estate Pro in California
Bart Gabe answered:
Are there any banks in the DFW area that will re-finance a home with 580-600 credit scores? (have 20% equity and 15 months ontime mtg pay)
I lend down to a 500 score, so I should have some options for you. Let's discuss your loan scenario in more detail. Contact me at 800 315 8803. My name is Bart and I have been offering ... more
0 votes Share Flag Thu Dec 4, 2014 Credit Score in Dallas
Voices Member,  in
Voices Member answered:
Are there any banks in the DFW area that will finance a home with 580 credit scores?
Yes Sir here is the guide lines.. must have a 12 months rental history , employment in the same job field for 24 mos and 3 months of PITI in reserve... give me a call thanks
0 votes Share Flag Fri Apr 4, 2014 Credit Score in Dallas
Kings Samson, Home Buyer in Washington, PA
Kings Samson answered:
I am looking for a private lender that will loan on a house purchase without having me (the husband) on the note at all.
Are you in need of finance,has the banks rejected you or have you been frustrated by firms or private lenders,here is the last junction where your search for finance will be a history b ... more
0 votes Share Flag Mon Feb 10, 2014 Credit Score in Dallas
Kenneth Bebe…, Real Estate Pro in Dallas, TX
Kenneth Bebensee answered:
I currently live in 2br 970sf home I purchased as a bachelor. Now I have a wife and 3 children and commute over 1.5 hrs a day.
Please keep renting and do the right thing. The right thing is to pay your bills on time, control and decrease debt and save a down payment. In about a year or two you will be in a bett ... more
0 votes Share Flag Mon Jan 27, 2014 Credit Score in Dallas
Michael Nolen, Real Estate Pro in Salisbury, MD
Michael Nolen answered:
which is best on your credit rating---deed in lieu, foreclosure or short sale
Short Sales and Deed in Lieu of Foreclosure are basically the same process. The only difference is a Deed in Lieu of Foreclosure does not have a buyer.

Most lenders [or servicer] ... more
0 votes Share Flag Fri Jan 3, 2014 Credit Score in Historic District
Randall James…, Real Estate Pro in Dallas, TX
Randall James Yates answered:
Are our credit scores high enough for a home loan yet?
Actually as long as you have a 620 credit score you can get a conventional loan with 3% down with some lenders. I know several lenders that offer these loan products, visit our website ... more
1 vote Share Flag Sun Sep 29, 2013 Credit Score in Dallas
Randall James…, Real Estate Pro in Dallas, TX
Randall James Yates answered:
Low credit score conventional loan
Actually as long as you have a 620 credit score you can get a conventional loan with 3% down with some lenders. I know several lenders that offer these loan products, visit our website ... more
1 vote Share Flag Sun Sep 29, 2013 Credit Score in Dallas
Kenneth Bebe…, Real Estate Pro in Dallas, TX
Kenneth Bebensee answered:
how can i rent a hm with a low credit score?
A lot of my peers have answered but without more information. It will depend on what condition and score your credit is in. So having said that and not knowing that information, I don't ... more
0 votes Share Flag Sat Aug 31, 2013 Credit Score in Dallas
Randy Roberts, Real Estate Pro in Beverly Hills, CA
Randy Roberts answered:
if you are current on your payments and have good credit, will a short refinance impact your credit score?
Not significantly at all. Sure your closing one loan and opening a new one basically so your average age of accounts will drop but that accounts for 15% of your score. I wouldn't worry ... more
0 votes Share Flag Mon May 6, 2013 Credit Score in Dallas
Trevor Curran, Real Estate Pro in Bronx, NY
Trevor Curran answered:
someone please help! I've been working on rebuiling my credit since last november. in april I pulled my scores and had a 575 602 and 623. my
Good afternoon Spears,

We see many credit reports with low credit scores (anything less than 620), and often many scores in the 500's. This is BAD credit. If you are one of the fol ... more
0 votes Share Flag Fri May 3, 2013 Credit Score in Dallas
Christina Ha…, Real Estate Pro in Morristown, TN
Christina Hayes answered:
I am in a consolidation (ch13) of my debt which I am paying back through a court appointed trustee. Would this hender me in qualifing for a home loan?
As AV mentioned you have had to have made at least 12 months of on time payments, but with the way lenders are feeling about risks, they may deny you until your Bankruptcy has been disc ... more
0 votes Share Flag Fri May 3, 2013 Credit Score in Dallas
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