Q: Can i get a loan for 100,000 with a 30 percent down payment and 640 credit score?
A: It could - but the information you provided isn't enough to make a full determination.
A credit score of 640 qualifies for all traditional loan programs (FHA, VA, USDA, Fannie Mae, Freddie Mac) that could finance a $100k loan amount with 30% down - owner occupied, 2nd home or rental/non-owner occupied. Other factors are what is on your credit that is bringing your scores to a 640 level instead of a much higher level, late payments? collections? charge-offs? tax lien/judgments? bk? foreclosure? That needs to be known as well as when they happened. Also, is the down payment funds you have saved up on your own? A gift from family/relatives? A little of both? The last part is your income & debts, as in how much do you make and what your monthly payments are on credit cards, cars, student loans, personal loans, etc.