Credit Score in Ohio : Questions & Answers

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MichelleMorg…, Real Estate Pro in Hallandale, FL
MichelleMorgan1 answered:
Have a 612 credit score. Need an FHA mortgage and advice. Please help!
FHA Mortgage Programs - The FHA mortgage is not only for Florida first time home buyers. Moving up home buyers can take advantage of the of low ... more
0 votes Share Flag Mon Apr 20, 2015 Credit Score in Dayton
Larry Tollen, Real Estate Pro in Durham, NC
Larry Tollen answered:
How can I obtain a mortgage if I already own a home? Are bigger or smaller banks better?
If the mortgage is in your name then in order to qualify you're going to have to have an income that supports both mortgages. Your credit score isn't really the issue here.

The big b ... more
0 votes Share Flag Tue Apr 14, 2015 Credit Score in Delaware
Robert, Real Estate Pro in 89117
Robert 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 agree with Chris, it's usually 30 days to 2 months. If you need a professional company to add a seasoned tradeline which has a perfect payment history feel free to contact IZMCreditSe ... more
0 votes Share Flag Sat Feb 28, 2015 Credit Score in Columbus
Jason Wheeler, Real Estate Pro in Pleasant Hill, CA
Jason Wheeler answered:
I have a credit score of 597. Being that my score is below 620 does this mean there is no way anybody will consider me for a loan?
There are a few FHA lenders that will consider a loan with a FICO score down to 500. However you may also benefit by looking into Private Portfolio lending.

I would recommend doing ... more
0 votes Share Flag Mon Sep 22, 2014 Credit Score in Fremont
Christina Ha…, Real Estate Pro in Morristown, TN
Christina Hayes answered:
Red brick mortgage
Most lenders require a 620 at a minimum. If you need help improving your score please see my posts and or blogs. Thank you. Christina Solorzano.
0 votes Share Flag Fri Jun 20, 2014 Credit Score in Delaware
Sally Grenier, Real Estate Pro in Erie, CO
Sally Grenier answered:
My boyfriend has no credit and I have school loans that have caused me bad credit. What solution is there to buy a home for us?
Sounds like a tough situation. But in order to buy a home, you have to have decent credit, good debt to income ratio, stable employment history, money in savings......among other things ... more
0 votes Share Flag Tue Jun 17, 2014 Credit Score in 44830
Elva Wormley, Real Estate Pro in San Jose, CA
Elva Wormley answered:
Looking to buy a first home and have corrected my really bad credit to now a 580. Do I still need to work on it or can I get a loan now?
Hi James,

Yes, it is possible. You should speak with a local mortgage broker.

Best wishes,

Elva A. Wormley
Mortgage Consultant
Office (408) 615-8500
C2 Financial Corporation ... more
0 votes Share Flag Tue Jun 17, 2014 Credit Score in South Point
Anna Brocco, Real Estate Pro in Nassau County, NY
Anna Brocco answered:
Do trulia have rent to own homes in groveport,ohio for people with not so perfect credit ?
Rent to own is similar to a car lease. Be mindful that rent to own is really not a good idea, therefore consider fixing whatever is preventing you from purchasing outright. Rent to own ... more
1 vote Share Flag Mon Apr 21, 2014 Credit Score in Columbus
Darren Sessom, Real Estate Pro in McKinney, TX
Darren Sessom answered:
My wife and I are trying very hard to purchase our first home however are failing miserably with mortgage companies. Help?
To You,

I can help you with your credit repair needs so your concerns are no longer an issue.
Our program is no longer than 180 days (6 months) with PERMANENT deletions and a money ... more
0 votes Share Flag Wed Mar 12, 2014 Credit Score in 45244
Kathleen Ada…, Real Estate Pro in Cincinnati, OH
Kathleen Adams answered:
What is realistic with our credit/debt situation?
Hi Kathy!

It sounds like you've done a great job re-building your credit, congratulations! The first step is pre-approval from a lender. Don't bother with a pre-qualification -- yo ... more
0 votes Share Flag Thu Jan 23, 2014 Credit Score in Cincinnati
adrian.dobbs, Home Buyer in Hopewell, VA
adrian.dobbs answered:
Can I get a home loan with a credit score of 632?
my home is right out paid for and my credit score is 632 where can i get approve for a home equilty loan
0 votes Share Flag Wed Jan 1, 2014 Credit Score in Waterville
Thomas Moser, Real Estate Pro in East Northport, NY
Thomas Moser answered:
What is a solid web site to assist with improving your personal credit score ?
I like CreditKarma as well.
0 votes Share Flag Tue Sep 24, 2013 Credit Score in Dayton
Brian Person, Real Estate Pro in Columbus, OH
Brian Person answered:
Credit 602 to 640 for FHA loan???
Some lenders will allow you to do an FHA loan down to a 620.

In order to improve your credit, the best thing you can do is to get a small credit. Get something with a limit around $ ... more
0 votes Share Flag Wed Jun 26, 2013 Credit Score in Dayton
Trevor Curran, Real Estate Pro in Bronx, NY
Trevor Curran 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....
Good afternoon Frozen.lotus.blossom,

It is unlikely you could be approved for mortgage financing with that credit score at this time.
Beware of any mortgage professionals promising ... more
0 votes Share Flag Tue May 14, 2013 Credit Score in 44512
Christina Ha…, Real Estate Pro in Morristown, TN
Christina Hayes 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.
Hello Tracy. Do you have proof of the agreement you made with Regions Bank? Do you have proof of all the payments you have made to date reflecting the dates of the payment(s) made to Re ... more
1 vote Share Flag Thu Apr 4, 2013 Credit Score in Lebanon
Trevor Curran, Real Estate Pro in Bronx, NY
Trevor Curran answered:
I am looking for a lender that approves mortgage loans for a credit score of 593.
Good afternoon Tania,

Most Lenders today require a Score of at least 640. It is unlikely you could be approved for a mortgage loan with a Score of 593.

First, settle any outstandi ... more
0 votes Share Flag Sat Aug 25, 2012 Credit Score in 44125
Phil Rotondo, Real Estate Pro in 32940
Phil Rotondo answered:
can i sue the bank if they reun my credit record?
You can sue anyone you'd like.
Winning and the consequences for not winning need to be discussed with your attorney.
0 votes Share Flag Tue Aug 21, 2012 Credit Score in Batavia
Martin Friem…, Home Seller in 45215
Martin Friemoth answered:
I am trying to improve my credit score so I can purchase a home.
What are your credit limits on the cards? Being below 1/2 of your credit limit on a card helps a lot so say you have two cards maxed out you should pay them both down to just under 50% ... more
0 votes Share Flag Mon Aug 6, 2012 Credit Score in 45236
Duane Johnst…, Real Estate Pro in Ohio
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
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