I have 5000 down and want a home around 100K-125K I have steady income from a stable job but low credit. Can anyone help??

Asked by Leah Dix, Kingman, AZ Sun Mar 31, 2013

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8
Jessica Bateman’s answer
Jessica Bate…, Agent, Beverly Hills, CA
Wed Jul 31, 2013
I work with a lot of people who have less than perfect credit. I tell all my clients that need a pre approval to visit The Lenders Network, I have seen loan approvals from them even with scores under a 600. So if anyone can get you a loan they can.

Good luck to you!
0 votes
Charmayne K…, Agent, Kingman, AZ
Mon Apr 1, 2013
Call Mike Frank at Alliance Mortgage here in Kingman and sell if you qualify.. Many buyers are so surprised when they find out that they are approved for a loan.. (928) 530-7282
0 votes
I was working with him and gave him all my info to run a credit check and he never got back to me i even sent him another follow up message requesting his help and nothing???
Flag Mon Apr 1, 2013
Grace Adewumi, Agent, SCOTTSDALE, AZ
Sun Mar 31, 2013
Hi Leah,
How low is your credit score? It will be good if you get in touch with a loan officer first. I do have couple of Loan officers that I can recommend if you like. Call or e mail me today.
Grace Adewumi
Realty One Group
602-769-0890
gracea@realtyoneaz.com
http://www.house2buyorsell.com
0 votes
, ,
Sun Mar 31, 2013
Hi Leah,

We service our own loans which gives us the ability to help buyers finance their purchases with a credit score as low as a 580 and still with a down payment of only 3.5% of the purchase price & still a pretty good rate.

Please feel free to contact me directly if you have any further questions, I'd be glad to help.

All the best,
Ros

Roswell Moore, CMPS
Certified Mortgage Planner
480-422-5095 direct

Sun West Mortgage USA, Inc. (FN)
NMLS Company ID: 3277 / Branch ID: 359295
8950 East Raintree Drive, Suite 200, Scottsdale, AZ 85260
http://www.ezAZloan.com
NMLS ID 263779

We are a Direct Lender, Mortgage Bank where we originate, process, underwrite, fund, AND SERVICE our loans, in-house, with FHA (starting at a 580 score AND still only 3.5% down), FHA Streamline refinance loans (NO minimum credit score, NO appraisal required), HARP 2.0 - No Appraisal Required for Refinance for Underwater Home Values, HomePath, Investor Friendly (10 financed properties), VA, VA Refinance loans (NO appraisal required on IRRRL loans), USDA loans, Jumbo loans, Conventional loans, plus, we allow Escrow Hold-Backs!
Web Reference:  http://www.ezAZloan.com
0 votes
sent you a contact email is best tho
Flag Sun Mar 31, 2013
allan erps,A…, Agent, Pearl River, NY
Sun Mar 31, 2013
Your FICO score can possibly get you an FHA type loan. Contact a local Mortgage Broker for best possibilities and good luck!
0 votes
Dale Lucas, Agent, Kingman, AZ
Sun Mar 31, 2013
Bill brings up some good points. The question is how long would it take to fix your credit and what is the savings on interest. With the market starting to improve maybe paying a little higher interest rate on an OWC may be advantageous. Everyone's situation is a little different. This is one of the things we would evaluate during our initial discussion.
0 votes
BParker, CPA*, , Scottsdale, AZ
Sun Mar 31, 2013
Hi Leah:

You have a choice to make. Do you buy now with low credit and pay more for your loan or, do you take some time to fix your credit and get a better interest rate. You can go to my February 28 blog "Credit Scores and Mortgage Interest Rates" to get an idea of the additional costs associated with "low credit".

Good luck. Bill.
0 votes
Dale Lucas, Agent, Kingman, AZ
Sun Mar 31, 2013
Hi Leah..... Give me a call and I will see if I can help. We can then discuss your situation in more detail and determine the best way to move forward. Thanks in advance for your consideration

Sincerely
Dale Lucas
Eagle Realty
1 928 377-6692
Mohavecountyrealestate@gmail.com
0 votes
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