Credit Score in Houston : Questions & Answers

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HelpUBuy Ame…, Real Estate Pro in 75019
HelpUBuy America answered:
I am currently relocating to Houston tx. My credit score is in the low 500, I am in need of a 4 to 5 bedroom home. I also have an eviction on file.
Putting your name on the loan would hurt more than it would help. Your fiance will have to qualify on his own. Do you need the name of a good lender in that area? Contact Calvin@HelpUBu ... more
0 votes Share Flag Mon Jun 29, 2015 Credit Score in Houston
Jkaylon22, Home Buyer in Spring, TX
Jkaylon22 answered:
Need to rent a house in Houston, We have bad credit at 500 and bad rental history, do we have an impossible situation?
I can help you out with bad credit. You are the perfect candidate to change your credit score from 500 to 700 and above. Here at Prosperity Credit Group we hate the word "no" ... more
0 votes Share Flag Tue Jun 2, 2015 Credit Score in Houston
Tom Burris, Real Estate Pro in Dallas, TX
Tom Burris answered:
I am married and my husband and i both have bad credit scores, his is mid 500s and mine is 620. Can i get a FHA loan if my mom cosigns with 715 score?
Tb,

http://activerain.com/blogsview/449665/fha-non-occupying-co-borrower
The above link is to an article I wrote: It is a little info about the' FHA Non-Occupant Co-Borrower Loan'.
... more
0 votes Share Flag Wed May 20, 2015 Credit Score in 77077
Parker Compa…, Real Estate Pro in 77539
Parker Company Real Estate answered:
We are a couple in our early 60's who founded and pastored a church for 17 years. We resigned in November , 2014. We sold our home of 21 years.
Landlords will have variable credit requirements. Some may want you to pay an increased security deposit. I recommend you speak with an agent who has experience with single-family renta ... more
0 votes Share Flag Mon May 18, 2015 Credit Score in Houston
Persis Behra…, Real Estate Pro in Houston, TX
Persis Behramsha answered:
Hello, I have horrible credit and an eviction from 2011,, I am really trying to find a home to rent. Will my credit and my eviction stop me?
Valencia,

Just saw your post from January. While Dan is correct in mentioning that your situation poses a problem with landlords, you might still be able to get a break with someone ... more
0 votes Share Flag Sat Mar 28, 2015 Credit Score in Houston
Persis Behra…, Real Estate Pro in Houston, TX
Persis Behramsha answered:
First time renting, looking for a good place near my inlaws.Was actually gonna buy but family members where telling me to think about it first. I jus
Hello,

Since this post is from February, I am not sure if you have already rented a place or not. If you are still considering possibilities, let me know and I can guide you throug ... more
0 votes Share Flag Sat Mar 28, 2015 Credit Score in Houston
Persis Behra…, Real Estate Pro in Houston, TX
Persis Behramsha answered:
I have low credit score, mid 500's . Can I buy a home, if there is a high income?
Hello,

Have you connected with anyone yet to figure out how to get started on your home purchase. If you are still trying to figure this out, please let me know - I will be happy to ... more
0 votes Share Flag Sat Mar 28, 2015 Credit Score in Houston
Persis Behra…, Real Estate Pro in Houston, TX
Persis Behramsha answered:
I am looking for a 3 bd 2 bth. Me and Husband combined makes 5,000 a month or more depending on the weather we neither have good credit can u help
Hello Brenda,

Are you looking to rent or purchase something in Houston? Just want to clarify since your name links to New York...........

While your income may not be a problem d ... more
0 votes Share Flag Sat Mar 28, 2015 Credit Score in Houston
Garrett Stev…, Real Estate Pro in Houston, TX
Garrett Stevens answered:
The montly fee shown under every house's whole price, for example $624/mo is a montly fee to rent a house or to buy it om credit?
This is most likely the Home Owner's Association Fee. This is a required monthly fee that home owner's pay to be apart of a certain community. These fees typically cover items such as ... more
0 votes Share Flag Fri Jan 30, 2015 Credit Score in Houston
Michael Abra…, Real Estate Pro in Chicago, IL
Michael Abramsky answered:
Searching for a reputable credit repair organization.
CreditFirm.Net has been around since 1997 and has an A+ Rating with the BBB. http://www.bbb.org/central-texas/business-reviews/credit-repair-services-no-advance-fee/creditfirm-net-in-co ... more
0 votes Share Flag Tue Jan 6, 2015 Credit Score in Houston
Armond Rainey, Real Estate Pro in Houston, TX
Armond Rainey answered:
We(family of 5) are looking to rent a house in katy/ Houston/ sugarland area, w/ cr scores @550 and 1 past eviction. Ideas/ thoughts would be a gift !
If you have money and willing to pay extra deposit there are landlords out there that will accept you. Give me a call 713-444-3083 or email: armondrainey@gmail.com so we can talk more i ... more
0 votes Share Flag Fri Dec 12, 2014 Credit Score in Houston
Randy Tanner…, Real Estate Pro in Wellington, FL
Randy Tanner & Lindsey Racher answered:
I am looking for a rental home,not apartment I have bad credit due to divorce,I do make 60,000 a year and have good rental history.any suggestions?
Honestly, some owners do not look at bad credit as an automatic no. They will say no if you have an eviction. I would contact a Realtor in your area to discuss your rental options.
0 votes Share Flag Mon Nov 24, 2014 Credit Score in 77073
Lena, Real Estate Pro in Houston, TX
Lena answered:
I currently have poor credit but not a poor rental history. Im also able to pay rent up for 6months. Is renting impossible?
I don't care what your credit look like or if you have any credit at all. I can help even if you don't have a social security number. I work with investors that have more properties tha ... more
0 votes Share Flag Mon Nov 24, 2014 Credit Score in Houston
Phillip Madi…, Real Estate Pro in 75056
Phillip Madison answered:
End of lease and have to move soon. I am self employed, Adj gross income 45k last year, 650credit, no money to put down... Is buying a possibility?
Absolutely. I would begin with speaking with a lender in your area you would like to work with and see what kind of programs they have in place to assist you and get you into a home.
0 votes Share Flag Sun Sep 28, 2014 Credit Score in Houston
Michael Abra…, Real Estate Pro in Chicago, IL
Michael Abramsky answered:
First time home buyers with low credit score
Save yourself some money and fix your credit before getting a mortgage.

You can do it yourself or hire somebody else, your choice. But the benefit of a better credit score will help ... more
0 votes Share Flag Sat May 3, 2014 Credit Score in Houston
Tawnya Marney, Real Estate Pro in Houston, TX
Tawnya Marney answered:
Middle Credit Score 636, Can I Get A Home Built in Houston? ?
Hi Anjel!

I'm currently working with a client looking at those same builders, so I would love to help you. I can say without a doubt I can get you into a home on your budget! And, I ... more
0 votes Share Flag Tue Apr 29, 2014 Credit Score in Houston
gunus23, Real Estate Pro in Sugar Land, TX
gunus23 answered:
Need to rent a house in Houston, We have bad credit at 500 and bad rental history, do we have an impossible situation?
Call me am a realtor, I can help you lease a house. Call me 832-348-7062 Tony.
0 votes Share Flag Sat Jan 18, 2014 Credit Score in Houston
Alan Harper, Real Estate Pro in Sugar Land, TX
Alan Harper answered:
Is it absolutely necessary to payoff an ~$9,000 collection account before being approved by a lender regardless of credit score being above 620.?
Every lender is different. Some will not give you a loan with any collection accounts. Some will just look at the debt to income ratio. Get pre-approved through 2-3 lenders and see what ... more
0 votes Share Flag Sat Jan 4, 2014 Credit Score in 77077
Rebeccatrulia, Renter in United Amigos, Mesa,...
Rebeccatrulia answered:
how does preapproval for a mortgage affect credit score?
You can best answer from here.

http://www.reversemortgagelendersdirect.com/texas-reverse-mortgage/
http://www.reversemortgagelendersdirect.com/reverse-mortgage-loan/
http://www.re ... more
0 votes Share Flag Wed Sep 25, 2013 Credit Score in Houston
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