credit score low 600, want to buy in 33027,33029. Suggestions?

Asked by Dudelynef, 33025 Mon Oct 1, 2012

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Meir Aloni, Agent, Plantation, FL
Wed Oct 3, 2012
Contact Lisa Rioux (she OWNS the company!); cell# 561-400-9478
She deals with local and out of state money sources AND private lenders.
IF the deal is doable, she will bring you to the closing table.
Please let her know I suggested you call her.

Meir Aloni & Team
CRS (Certified Residential Specialist)
CDPE (Certified Distressed Property Expert)
RECS (Real Estate Cyberspace Society)

Successfully selling Broward County since 1986!

Direct phone# 954-338-5220

All Star Realty Inc.
0 votes
Lilli Rachel…, Agent, Fort Lauderdale, FL
Tue Oct 2, 2012
Contact Jim Agate @ Circle Mortgage, a direct lender in Hollywood. He can give you guidance and put you in the right direction. Say I sent you. His cell is 954-562-2500 and email is
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Beate Rodrig…, Mortgage Broker Or Lender, Sunrise, FL
Mon Oct 1, 2012

my suggestion would be to improve your credit score to a 620.

Please feel free to contact me at your earliest convenience, if I may be of any service to you, guiding you in the right direction to improve your credit rating and to pre-approve you for a mortgage loan.

Best Regards,
Beate Rodriguez
Lic. Loan Originator
Cell: 954.695.4849

1931 NW 150 Ave - Suite 103 C
Pembroke Pines, Fl. 33028
0 votes
Stephen McRo…, Mortgage Broker Or Lender, Tampa, FL
Mon Oct 1, 2012


Response from a retail Bank Rep. after I asked her how many of the below programs they can offer...
Honestly Steve, after reviewing them, I don’t think we can do any of these. We are pretty vanilla, Straight FHA VA conventional. I will keep your flyer and if I run across anyone we can't help I will send them your way. thanks

100% LTV- USDA/12 mo. into Chapter 13 BK is OK!
100% LTV- VA/can pay off debts on purchases too!
99% LTV- FHA

97% LTV- No PMI/MI and No 1.75% FHA FEE

95% LTV- No PMI


90% LTV- No PMI-2nd Home
90% LTV- JUMBO w/cc
85% LTV- NO PMI to Super Jumbo
80% LTV- Invest. Prop.

STATED INCOME ALT loan programs:
80% LTV- FIX n’ FLIP Invest. Prop.
80% LTV- NEW- Stated Income Alt

75% LTV- NEW- Foreign Nationals- Stated Income Alt
75% CLTV-NEW- after Short Sale, BK or Foreclosure
70% LTV- Soft and Hard Money -Stated Income Alt


COMMERCIAL PROGRAMS (many programs available nationwide)

Steve McRory

Pro Option Mortgage/Florida

Ph: 888 662 4404

Prior Service U.S. Marine Corps
0 votes
Tamika Moses, Agent, Pembroke Pines, FL
Mon Oct 1, 2012
Hi Dudley,
Here at Keller Williams we have a inhouse mortgage company who can see what program you qualify, up to what limit and how much you need to put down. Just give me a ring and I will be more than happy to help you.

Thank you,
Tamika Moses
Keller Williams Realty Partners SW
0 votes
Tchaka Owen, Agent, Fort Lauderdale, FL
Mon Oct 1, 2012
Yes, contact 3 lenders (at least 1 broker and 1 bank) for an approval. Once you know the amount, you can then shop for a home.

Good luck!

Tchaka Owen
Keller Williams Realty Professionals
0 votes
Taylor Uston, , Hollywood, FL
Mon Oct 1, 2012
You can always try for a loan and see what you may be approved for. At the Keyes Company in Hollywood we have a mortgage broker you can sit down and discuss your options with and give you a good faith estimate.
If your still interested feel free to contact me when you have time.

Taylor Uston
0 votes
Terry Bell, Agent, Santa Rosa, CA
Mon Oct 1, 2012
There are many great lenders here on Trulia that you should contact and find out how to improve your score, since you are not that far away from an acceptable score. You might also consider whether you have relatives with good credit that might go in with you. Or if you have a large downpayment and can afford high interest, talk to a mortgage broker about unconventional loans for a year or two till you can re-fi with a better credit score.
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