Sylacauga : Questions & Answers

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Yanni raz, Real Estate Pro in Sherman Oaks, CA
Yanni raz answered:
My fico score with experian is 550 and my daughter lives with us now her score is 592. Can we apply for together?
If you have good income then you can qualify together for fha, if you don't but have money to put as a down payment then you should consider hard money loan.
Hard money lenders are pri ... more
0 votes Share Flag Thu Jul 18, 2013 Financing in 35150
Michael Cheng, Real Estate Pro in San Jose, CA
Michael Cheng answered:
how can i get a loan with bad credit and a 500 score?
With a 500 credit score, you're only likely to get a loan from a non-traditional private lending source. Their rates run between 15-30% a year.

If you're living in your parents ho ... more
0 votes Share Flag Mon May 13, 2013 Financing in 35150
Fred Glick, Real Estate Pro in Los Angeles County, CA
Fred Glick answered:
I am looking for a FHA loan to purchase a home. My credit score are in the low at mid 600's can it be possible to get a loan ?
Mid 6s should be fine. Check with a recommended mortgage broker.
0 votes Share Flag Thu Jul 18, 2013 Financing in 35150
Rodney Mason, Real Estate Pro in Atlanta, GA
Rodney Mason answered:
can i get a home loan with a 500 credit score and no credit lines of trades open?
For the most part, the mortgage industry has had a 640+ minimum credit score requirement since last fall. There are only a few of us who will do 580-639. There is really no market for ... more
0 votes Share Flag Mon May 13, 2013 Financing in 35150
Justin Ruzic…, Real Estate Pro in Fort Myers, FL
Justin Ruzicka (239) 699-0517 answered:
is there someone out there that helps people with bad credit puchase a home?
Don't be in such a hurry to buy...Here are some helpful blogs on home buying. The second blog i wrote is about how Homes Prices are going to stay low for a long time. That is good ... more
0 votes Share Flag Sun Sep 30, 2012 Financing in 35150
Hannah, Real Estate Pro in Corte Madera, CA
Hannah answered:
Can I get a home loan with a less than 500 credit score if I have 20K to put down? Please email me at if you have an answer
Hi Paul,

You might be able to qualify for an FHA mortgage with a low credit score of 620 but it will cost you more money each month. Mortgage products don’t even get exciting ... more
0 votes Share Flag Wed Oct 6, 2010 Financing in 35150
Scott Godzyk, Real Estate Pro in 03109
Scott Godzyk answered:
im buying a home from a man,we've signed a paper and had it notorised at his bank,if he should dye before i finish pmt.nobody can take it?
It depends on your purchase agreement, it would need to say it is binding in his heirs, estate etc. For a question like this you should check with your attorney, hopfully your attorney ... more
0 votes Share Flag Sun Aug 29, 2010 Home Buying in Sylacauga
Wain Berry, Real Estate Pro in Fort Lauderdale, FL
Wain Berry answered:
What is the minimum credit score I need to get a decent interest rate?
It used to be 680 but NOW they are looking for 720.

David Wain Realty
0 votes Share Flag Sat Oct 9, 2010 Financing in Sylacauga
Dan Chase, Home Buyer in Texas City, TX
Dan Chase answered:
my credit score is 544...need a loan for a house what can i do?
Improve your credit score. Talk to a local lender. Have your credit report pulled. See what is wrong. Then follow some specific steps your lender should be able to suggest to increase y ... more
0 votes Share Flag Sat Sep 29, 2012 Financing in 35150
Lew Corcoran, Real Estate Pro in Easton, MA
Lew Corcoran answered:
I am wanting to buy a home in AL somewhere in the areas of Tuscaloosa, Northport, or towards Birmingham. My credit score is at the present time 551,
Most likely no. Virtually all lenders require a mid-FICO credit score (of three scores) or the lowest credit score of two scores to be at least 620. There may be a few that will go as l ... more
0 votes Share Flag Mon Jan 4, 2010 Financing in 35150
Al Akerman, Real Estate Pro in New Jersey
Al Akerman answered:
My husband and I have recently started looking to buy a bigger house. Last year we remodeled our current house and have around 30,000 in equity.
Angie, your middle score is what the banks will look at.

It might not make much sense, but if your scores are 620, 720 and 721, then you are considered a 720.

If your middle FICO ... more
0 votes Share Flag Sun Jan 3, 2010 Home Buying in Sylacauga
Bill Polack, Real Estate Pro in Atlanta, GA
Bill Polack answered:
have deed to home, have bad credit, need a loan, where can i get a loan ?
How bad is bad? If your scores are below 530, there's not much a bank can do. If above that, we have to see what your income allows you to borrow. I'm assuming you don't ... more
0 votes Share Flag Mon Sep 28, 2009 Financing in 35150
Tony Grech, Real Estate Pro in Michigan
Tony Grech answered:
I am in upstate ny looking for a home improvement loan with a credit score of 500.
Hi Steve,

Unfortunately since home equity loans are not sale-able to Fannie Mae, Freddie Mac, or FHA, approval guidelines and credit requirements are even more strict for this type o ... more
0 votes Share Flag Tue Oct 5, 2010 Financing in 35150
Dane Drake, Real Estate Pro in Tuscaloosa, AL
Dane Drake answered:
I don't think so, however if you contact a Mortgage Professional most will give you advice on how to improve your credit score. You must listen and follow through.
0 votes Share Flag Thu Aug 21, 2014 Financing in 35150
Chris Calder, Real Estate Pro in Dothan, AL
Chris Calder answered:
can i get a home loan with bad credit my credit score is 500 any suggestion please email me kel0404682AOL.COM
It would be better for you to wait until you got your credit score up so you can get a better rate. Thanks.
0 votes Share Flag Mon Apr 14, 2008 Financing in Sylacauga, AL
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