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Credit Score in Berwyn : Real Estate Advice

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Mon Jul 14, 2014
Nicholas S Nelson answered:
Good Morning Teresa,

If you can get a mortgage will depend not only on your credit score, but what is showing on your credit? Did you have a bankruptcy and/or foreclosure? If so you must wait at least three years for foreclosure and two years since discharge of bankruptcy. Have you reestablished any credit history since the derogatory credit? Most lenders want to see a minimum 12 months of payment history since derogatory credit with no late payments.

Should you have any further questions, please do not hesitate to contact me at the below phone or email.

Nick Nelson (NMLS#384413)
Mortgage Lender
Community Bank of Rockford, A Division of Harvard State Bank
2470 Eastrock Dr.
Rockford, IL. 61108
(815) 289-0880 - Phone - Email
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