I have a credit score of 598 I have been working on paying off past debt. This is taking some time. Is this possible in NY with a credit score so low?

Asked by stevens216, New York, NY Wed May 14, 2014

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Wed May 14, 2014
We can go down to 530 with 10% down or 580 with 5% down, as long as you meet the other guidelines. Let's discuss your loan scenario in more detail. Contact me at 800 315 8803. My name is Bart and I have been offering loans since 1987. I am happy to answer your mortgage questions, 7 days a week and review your loan scenario. Until then, I look forward to hearing from you.

Bart Gabe - Lending Nationwide Since 1987

800 315 8803


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Sanjeev Ahuja, Mortgage Broker Or Lender, Floral Park, NY
Wed May 14, 2014
Yes, you can get a loan with this fico score, provided you qualify on other criteria like a complete credit history report, income, assets, employment etc. My contact information is given below if you like to discuss.


Sanjeev Ahuja, NMLS #148731
Mortgage Broker
Home Funding LLC
110 Jericho Turnpike Ste 214
Floral Park, NY 11001
Direct Phone 917-517-2552
NYS Registered Mortgage Broker, Dept of Financial Services, Loans arranged through third parties (NMLS # 885573)
0 votes
Anna M Brocco, Agent, Williston Park, NY
Wed May 14, 2014
There are other factors besides credit that determine mortgage qualification, so for a personalized answer you really should visit with any licensed loan officer, all else is really just speculation. Most lenders prefer a 640 score, however there may be some willing to work with less, but the better the score the better the rate. Be aware that a mortgage pre-approval letter is required in order to determine your price range and for any offers to be taken seriously.
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