A credit score of 647 isn't too bad. I strongly suggest that he shops around for a better rate. There are step-by-step instructions how to do that in my book (follow the link below). You can read it free on Amazon prime. Or visit my website for more information.
Don't Let Them Make a Monkey Out of You! Follow the links below.
Exclusive Buyer Agent
Best selling author of Buying a Home: Don't Let Them Make a Monkey Out of You! US, Texas, and Spanish versions available.