Credit Score in Texas : Questions & Answers

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Andrea Brooks, Real Estate Pro in Frisco, TX
Andrea Brooks answered:
Can i start looking for a home with a 585 Fico score?
I would recommend talking to a lender now so you can better understand how to proceed. I work with several industry-leading professionals that I can connect you with. I'd welcome the ... more
0 votes Share Flag Thu May 8, 2014 Credit Score in Plano
Kim Perez, Real Estate Pro in Round Rock, TX
Kim Perez answered:
My husband and I are wanting to purchase our first home. My fico score at worst is 618 and his is higher. Is there financing we can get?
It is very likely than you can get financing by then. It sounds as though you are doing the right things to get your credit in shape, so congratulations!

The best course of action f ... more
0 votes Share Flag Thu Oct 31, 2013 Credit Score in Round Rock
Ron Thomas, Real Estate Pro in Fresno, CA
Ron Thomas answered:
Will paying off the installment loan early affect my score negatively? ( Middle score was 660 as of last month)
I understand that they look at serveral things:
The total amount of DEBT as a ratio, Debt to Income: So you want to reduce the Debt.
But they also look at the debt to the limit ratio, ... more
0 votes Share Flag Mon Dec 22, 2014 Credit Score in San Antonio
Howard Persky, Real Estate Pro in Sugar Land, TX
Howard Persky answered:
I recently heard about the NACA program from a friend. Does anyone know anything about this program?
This is the link to the program web site:

https://www.naca.com

Check this link out also for information on other programs for down payment assistance:

http://www.txhomeprograms ... more
0 votes Share Flag Mon Mar 4, 2013 Credit Score in Houston
Diana Merced, Real Estate Pro in Houston, TX
Diana Merced answered:
Will paying off accounts in collections lower your credit score?
May or may not. I would suggest you speak with a loan officer or a bank. They can pull your credit report and look at your averall picture. It is also important that if you do pay of ... more
0 votes Share Flag Sat Feb 23, 2013 Credit Score in Houston
Tom Burris, Real Estate Pro in Dallas, TX
Tom Burris answered:
Would it hurt my credit to accept a new cc at 0 % into rate while paying off another credit card?
You would suffer a small drop in points for establishing the new trade line. But over time it will help.
You might see the points come back in about 6 months and see a score increase ... more
0 votes Share Flag Mon Nov 12, 2012 Credit Score in Houston
Kenneth Bebe…, Real Estate Pro in Dallas, TX
Kenneth Bebensee answered:
Are our credit scores high enough for a home loan yet?
I believe so. Call any lender of your choice and get pre approved for free. Then pick one of us and get your home. :-)

Good luck.

Kenny
Turtle Creek Realty
0 votes Share Flag Sun Sep 29, 2013 Credit Score in Dallas
Tim Moore, Real Estate Pro in Nags Head, NC
Tim Moore answered:
Hi, me and my huband just married, and we are wanting to buy a house in the next few months. He is eligible for a VA Loan.
Step #1 is always the same = speak with a lender. You should include speaking with USAA as they do good things for VA buyers. It costs nothing and can provide a lot of answers.
0 votes Share Flag Wed Oct 24, 2012 Credit Score in 78130
Steven Nusin…, Real Estate Pro in Austin, TX
Steven Nusinow answered:
Chasing the american dream of being a home owner and haven't a clue where to start.
Are you looking for a home in Austin. If so, it is easy where to start....contact me.. I will hook you up with a choice of great lenders, show and analyze homes that meet your criteri ... more
0 votes Share Flag Wed Jan 15, 2014 Credit Score in South Congress
Carol Woodwa…, Real Estate Pro in San Antonio, TX
Carol Woodward/Darline Hoffman answered:
My husband and I have a credit score of 540-550 and would like to purchase a home.
Yes, but not with his Va. Your can have seller financing, but will require more.money down. Please call if you have other questions.

Carol Woodward
Keller Williams
877-877-0380
0 votes Share Flag Wed Sep 12, 2012 Credit Score in San Antonio
Tom Burris, Real Estate Pro in Dallas, TX
Tom Burris answered:
My credit score is 550. Where can I get a mortgage?
Always on time with your mortgage and auto?
And still have a 550?

Do you have a credit report we can look at together?
I am surprised the score is that low with the 2 very positive ... more
0 votes Share Flag Tue Mar 4, 2014 Credit Score in San Antonio
Barbara Coker, Real Estate Pro in San Antonio, TX
Barbara Coker answered:
Financing and credit score
You don't state what type of loan you wanted, but most lenders want at least a 620 on a VA or FHA loan. Down to 580 will be tough, but you might find it on an FHA. The underwriting co ... more
0 votes Share Flag Wed Jun 27, 2012 Credit Score in Gun Barrel City
Don Groff, Real Estate Pro in Cedar Park, TX
Don Groff answered:
Does anyone see the Government granting credit score adjustments for the millions of borrowers who lost their homes to bad lending practices?
Never heard of that... not sure how they could even accomplish this. First you would have to prove you lost your home due to bad lending practices. Many people lost their home due to ... more
0 votes Share Flag Tue Jun 26, 2012 Credit Score in 78731
Stefanie Pat…, Real Estate Pro in San Antonio, TX
Stefanie Patterson answered:
I have been fixing my credit for the last 3 years my credit score is fluctuating, should I try now to buy a home?
With the low rates right now, I would say it is worth a try! Give me a call so we can discuss and see if you are ready.

Stefanie Patterson,
ABR, CRS, GRI, e-Pro, ALS, ALHS, TAHS, S ... more
0 votes Share Flag Sat Jul 28, 2012 Credit Score in San Antonio
Tom Burris, Real Estate Pro in Dallas, TX
Tom Burris 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
Send me an email and I will reply back with a free ebook about credit.
We can go from there.


.
.
Tom Burris
Mortgage Banker
DallasLoanGuy.com
(214) 763-4629 cell/text/nigh ... more
0 votes Share Flag Fri May 3, 2013 Credit Score in Dallas
Maegan Olguin, Real Estate Pro in San Antonio, TX
Maegan Olguin answered:
Poor credit, but would like to buy a home?
Audrey,

Email me and I will try and help you and your husband further

Maegan Olguin
JB Goodwin REALTORS

Maegan-olguin@jbgoodwin.com
0 votes Share Flag Sat Jul 28, 2012 Credit Score in San Antonio
Tom Burris, Real Estate Pro in Dallas, TX
Tom Burris answered:
Which scenario will decrease your credit score the most? A 30-day late on a mortgage o a 30-day late on a credit card?
Since you ask this in a Real Estate section.... I would say Mortgage Late. Quite a bit more pain with that.

Let me explain.

We use the FICO scoring model by the Fair Isaac Co.
O ... more
0 votes Share Flag Sat Apr 27, 2013 Credit Score in Austin
Tom Burris, Real Estate Pro in Dallas, TX
Tom Burris answered:
how long will my credit report to be clear if we foreclose my home?
Foreclosure will stay on your report for 7 years.
You can buy another home after a minimum of 3yrs.
Staying current on your payments all of the way thru a short sale will hurt you les ... more
0 votes Share Flag Wed Jun 6, 2012 Credit Score in 75672
Allen Hebert, Real Estate Pro in Houston, TX
Allen Hebert 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?
a qualified Home Mortgage Consulant would be best to answer this question and I would recomend calling one asap -I can recommend Holly Whitney with Wells Fargo Home Mortgage-she can be ... more
0 votes Share Flag Wed May 20, 2015 Credit Score in 77077
Larry Stovall, Real Estate Pro in Houston, TX
Larry Stovall answered:
Are there any lenders willing to work with a credit score under 600? We have the income and are working on our credit.
Yes there are. Email me and I will sent you a name.

Larry
0 votes Share Flag Mon Jun 23, 2014 Credit Score in 77449
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