Credit Score in 28224 : Questions & Answers

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Bill Ahls, Real Estate Pro in Cornelius, NC
Bill Ahls answered:
Just can't seem to get my credit right
Talk to William Roseberry (www.RoseberryTeam.com) and he can guide you on this. His cell is 704-622-6896.

Bill Ahls
ww.NoHassleBroker.com
0 votes Share Flag Wed Jun 12, 2013 Credit Score in Charlotte
Jenny Linich, Real Estate Pro in Charlotte, NC
Jenny Linich answered:
what if my score is below 580, can i still get a home loan?
Size of the loan is more dependent on debt to income ratio than on credit score. I have lenders that can do FHA loans with your credit score as well as work with you to raise your cred ... more
0 votes Share Flag Wed Aug 12, 2015 Credit Score in 28214
Rick Devine, Real Estate Pro in 28278
Rick Devine answered:
Credit scores around 600, married couple with a combined income of 60,000.
I have 4 maybe 5 that will help you. I work with many people uder 600 and have so many ways you can get into a home right now. Please call me 704-618-7184
0 votes Share Flag Mon May 18, 2015 Credit Score in Charlotte
Madmaksmommy…, Renter in Charlotte, NC
Madmaksmommy4210 answered:
my score is 529; am paying two CC off in Jan; is there any chance of a mortgage by april?
Also I've noticed that people are putting in their two cents with other people so please keep negative, unneccessary comments to yourself. I'm well aware of the mistakes i ... more
0 votes Share Flag Tue Apr 17, 2012 Credit Score in Charlotte
dave, Real Estate Pro in Charlotte, NC
dave answered:
Where are the lenders that work with 550 - 600 scores in Charlotte nc. I want to purchase a house for $85,000. Please help
If you have a credit score in that range there are a few lenders that will help you out. I use Chris Ayer with Coldwell banker Mortgage. He has various programs to get people with tho ... more
0 votes Share Flag Tue Dec 6, 2011 Credit Score in Charlotte
Amy Baker, Real Estate Pro in Charlotte, NC
Amy Baker answered:
Could I get a loan for a $25,000 house with $5000 down and a 612 credit score?
Nicole,

Your score won't so much be the problem as that many lenders can't write a mortgage loan below $40,000. Most sales below this amount as cash for this reason. If you ... more
0 votes Share Flag Mon Aug 29, 2011 Credit Score in Charlotte
Erika Marsh…, Real Estate Pro in 28209
Erika Marsh Pitman answered:
Credit score 552-576, Debt to income ratio: 7%, Mortgage on the $99,000 condo I want would be less than 15% of my income. Any hope at a loan?
Shizzbe,

It is unlikely that you will be able to get traditional financing. However, there are other options. The seller maybe able to finance you depending if they own the property ... more
0 votes Share Flag Thu Jan 26, 2012 Credit Score in Charlotte
Anna Brocco, Real Estate Pro in Nassau County, NY
Anna Brocco answered:
Where are the lenders that work with 550 - 600 scores in Charlotte nc. I want to purchase a house for $85,000. Please help.
There are other factors in addition to credit that will determine loan qualification, therefore visit with any local banks and or credit unions, after reviewing your overall financials, ... more
0 votes Share Flag Fri Feb 22, 2013 Credit Score in Charlotte
Blasic Smith…, Real Estate Pro in Murrieta, CA
Blasic Smith Team answered:
i need a fha lender in charlotte, nc. Credit scores experian-557, equifax-516, and transunion - 543....
You need a 640 for FHA. You may want to explore other lending options.
0 votes Share Flag Thu Mar 31, 2011 Credit Score in Charlotte
Danny Pluedd…, Real Estate Pro in Charlotte, NC
Danny Plueddemann answered:
I have several items on my credit report that I am trying to pay and have removed( utility bills). I was advised to contact the collection agency
Amy, If they are recent collections, then it would help your score to pay them off. If they are older than 24 months, it could lower your score to pay them off as that will show up as ... more
0 votes Share Flag Fri May 21, 2010 Credit Score in 28212
Anna Brocco, Real Estate Pro in Nassau County, NY
Anna Brocco answered:
what is the best site to go to get a credit score and will getting my own credit score affect my score?
If you are looking to buy, visit with any qualified loan officer(s) and he/she will run your credit--their scoring is different by the way--then go from there--or check out www.myFICO ... more
0 votes Share Flag Sat May 1, 2010 Credit Score in Charlotte
Bob McClure-…, Real Estate Pro in Walled Lake, MI
Bob McClure- Real Estate Investing answered:
If someone who has a credit card adds you to there account can that increase your credit score as long as the balance is low and the payment are on
good morning amy....yes, but the balances being low are secondary to the percent of available credit each card has vs. the amount that is owed........it can have a farily quick boost to ... more
0 votes Share Flag Thu Jan 12, 2012 Credit Score in Charlotte
MR, Home Buyer in Charlotte, NC
MR answered:
We'll be engaged shortly and she's really wanting to take advantage of tax credit. We'll be engaged when we buy the home.
I'm the original poster and wanted to add:

I've also read that if we proceed with having her get the mortgage in her name, we would be forced to refinance after marriage wh ... more
0 votes Share Flag Sat Jan 30, 2010 Credit Score in Charlotte
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