I'm looking to purchase my first home.I currently live in NJ and am looking to move as soon as I find a house.My credit score is 650:/Lender

Asked by Melissa.rodriguez, Orlando, FL Tue Jan 22, 2013

referrals Both me and my fiance have job offers in Orlando just looking to start the steps of purchasing our fist home after paying 1600 for rent for the past 7 years. We need 4 bedrooms. I'm just really stuck on where I can get approval being that my credit is not great. Someone told me that since I would be purchasing a house in a different state I wouldn't qualify for FHA. Is that true?

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borgesda11’s answer
borgesda11, , Orlando, FL
Wed Jan 23, 2013
Hi Melissa,

I'm actually from NJ too and I now live just outside of Orlando! If you have questions about financing your best bet would be to speak with an actual Lender. Below is contact information to a lender I personally know. Just give her a call and she will be able to answer any of your questions. You may also go to another Lender of your choosing. My name is Danielle. If you have any questions, my contact information is below. Good luck!

Penny Olson
Senior Loan Officer
Sunbelt Lending Services
400 S. Park Ave. Suite 210
Winter Park, FL 32789
cell: 407-342-5065
off: 407-539-0665
fax: 856-917-2613
*affiliate with Coldwell Banker Residential RE*

Danielle Borges
Coldwell Banker Residential
400 S. Park Ave. Suite 210
Winter Park, FL 32789
cell: 973-393-8577
off: 407-628-1211
email: danielle.borges@floridamoves.com
0 votes
lendersnetwo…, Agent, Plano, TX
Mon Oct 14, 2013
Not true you can get approved in another state than you currently reside in if your relocating to that state. If you need a lender I would be happy to refer you to one, I have helped several clients of mine get approved in your situation.
1 vote
Limarys Hern…, Agent, Orlando, FL
Mon Jun 2, 2014
You do qualify with that credit score!

Our office have an in house mortgage lender and could help you right now!

Give us a call!

Limarys Hernandez
Lovera Realty
810 E Colonial Dr
Orlando, FL 32803
Cell: 407.416.8123
0 votes
Lisa Foster, Agent, Orlando, FL
Wed Apr 2, 2014
Hi Melissa,

The first step in the home buying process is speaking with a lender, they will be able to pre-qualify you and point you in the right direction as far as a mortgage that will best fit your needs. If you have not already done so, please feel free to contact a local lender in Orlando, should you need a referral I would would suggest contacting the following lender:

Jason Gonzalez | NMLS # 314588

Innovative Mortgage Services | NMLS # 250769

PH: (407) 371-1104 | FAX: (888) 232-8730

Visit my website! http://www.purchaseflorida.com

If I can be of any further assistance you can reach out to me anytime!
0 votes
Jenni Nguyen, Agent, Orlando, FL
Tue Apr 1, 2014
Welcome to Florida!

If you are still looking for assistance in finding yourself the perfect home, please feel free to contact me.

Jenni Nguyen

EXiT Realty Central



0 votes
Wael Georgey…, Agent, Orlando, FL
Sun Feb 16, 2014
Hi Melissa,

Have you found a home yet? I'll be happy to help you locate one if you haven't yet. Feel free to call/text me anytime at 321-231-9843.

Best Regards,
Wael Georgey

0 votes
Tillman Hayn…, Agent, Orlando, FL
Sun Feb 16, 2014
Coldwell Banker Residential Real Estate Hi Dan, We are #1 in Central Florida and all of Florida. Contact Alicia Haylock at (866) 493-0573 or (407) 202-7853. She can assist you with finding how much you qualify for - so you can make an offer to purchase a home here in Florida. After your pre-approval - contact me - and I will locate you your dream home here in beautiful Florida. Thanks. Tillman Haynes, Realtor Coldwell Banker Residential Real Estate (407) 600-0393
0 votes
Diana M. Per…, Agent, Kissimmee, FL
Wed Jan 23, 2013
Hi Melissa!

I would be happy to personally assist you with you search. Call me anytime. We have a 24/7 inquiry return policy. You can reach me at 407-729-3560. Text also works! I work with amazing lenders that will assist you. :)

I look forward to speaking with you!

0 votes
Esther Grill…, , Orlando, FL
Tue Jan 22, 2013
Hi Melissa,

Since this is going to be your first home, you have options. I would be happy to help you with any questions that you need clarifications with. You may contact me at 407-580-9313.

Esther Griller, Realtor®
Charles Rutenberg Realty
1900 Summit Tower Blvd, Suite 220, Orlando, FL 32810
Direct: 407-580-9313
Email: info@investfloridaproperty.com
Website: http://www.investfloridaproperty.com
0 votes
Daniel Kwak, Agent, Orlando, FL
Tue Jan 22, 2013

Most quality lenders will require a letter from your respective new jobs as well to give you a pre-qual in order to purchase your home. I know of an excellent mortgage lender who is partnered with our office and is one of the top lenders in the central florida area and would love to refer you over to him. Bruce Woodburn with Summit Home Mortgage and his team will guarantee you the best service. Best of luck in your transition to Orlando, you'll love it here!

Best Regards,
Daniel Kwak
Keller Williams Classic Realty
0 votes
Tony and Hol…, Agent, Orlando, FL
Tue Jan 22, 2013
Hi Melissa,

Welcome to Flordia! I would definitely like to have our Mortgage broker give you a call to answer all of your questions. We have a great team and excellent Mortgage broker that we use and she will let you know what all of your options are in purchasing a home here in Orlando.

Tony Galarza, Realtor®
Real Estate Professional/Listing Specialist/CEO
KG Realtor® Group of Keller Williams Advantage II Realty
12301 Lake Underhill Road, Suite 111, Orlando, FL 32828
Direct: 407.429.2041
Email: Tony@KGRHomes.com
eFax: 1.877.655.3123

Team Executive Assistant – Cristel Anderson
Direct: 407.429.2040
Email: Assistant@KGRHomes.com
0 votes
Jennifer Bar…, Agent, Winter Park, FL
Tue Jan 22, 2013
Hi Melissa,

There is so much that goes into buying a home. Things besides your downpayment. Things like your home inspections, earnest money deposit, surveys. etc. I have a great buyers package that I can send you so you know and understand the whole process from a-z. Orlando is a great place to live. I relocated from VA Beach Va. Your credit is fine, I can also put you incontact with a great lender. It is important to shop around for a lender. Some of them charge silly fees that are not necessary. Take a minute to check out my profile to see if you would like to work with me. I can also send you a great video of the orlando area. Good Luck! I am here to help!

Jennifer Barker
Exit Realty Central
0 votes
Anabella Ter…, Agent, Lake Mary, FL
Tue Jan 22, 2013
Hi Melissa,

Your credit is fine, you could even qualify for new construction homes. And yes you can qualify for FHA since you are moving to Orlando and it will be your primary residence and you alredy have work offers. If you are looking in 32828 you might even qualify for a USDA loan (0% down payment) Please call me if you have more questions, I'm a full time Realtor and 100% Bilingual (Spanish). I'm looking forward to assist you!

Anabella Tercero Okrassa
Cell 4077975139
Z House Realty Group
0 votes
Lisa Hill, Agent, Winter Park, FL
Tue Jan 22, 2013
I would be happy to speak to you regarding your home purchase. Please contact me at your earliest convenience.
0 votes
Julie Rosent…, Agent, Jupiter, FL
Tue Jan 22, 2013
Hi, please call or email me so I can make sure I understand the details, and I will be happy to help you get answers. Thanks! Julie Rosenthalm Your Go To Florida Realtor / (561)827-6789 / email: julier6789@gmail.com See all listings and get free information at http://www.BUY-SELL-RENT-FLORIDA.com Property Brokers International
0 votes
Claudia Jenk…, Agent, Orlando, FL
Tue Jan 22, 2013
Hi Melissa,

Give Andres Castano a call, they do direct lending and have a great first time home buyers program 407-654-4609. Feel free to contact me with any questions.

Kind Regards,
Claudia Jenkins
Realtor / Charles Rutenberg Realty
1900 Summit Tower Blvd, Suite 220
Orlando, FL 32810
http://www.Isellflorida.us - web
cneil101@yahoo.com - email
407-709-6674 - cell
0 votes
Kate Paris, Agent, Ocala, FL
Tue Jan 22, 2013
Hi Melissa,

I know what its like to relocate to Fl; I'm originally from NY. I can help you fulfill your dream of buying a home in Orlando. Contact me and I will be happy to help you.

Best wishes,
Kate Paris, Realtor
Charles Ruttenberg Realty
1900 Summit Tower Blvd.
Suite 220
Orlando, Fl 32810
0 votes
Abraham Bidh…, Agent, Orlando, FL
Tue Jan 22, 2013
Hi Mellissa:

Yes, you would possibly qualify for FHA loan since you would be using the property as your primary home.

I have a fantastic lender who has pretty much closed on all the loans that I have referred to him. With $1600/Month you can purchase a beautiful home here.

Please send me an email so I can get you lined up with our lender and we can take it from there.

Abraham Bidhendi
Top Producer Realtor® with over 25 years of experience
Awarded as Exit's TOP Buyer side Transactions for the State of Florida
We have had 165 successful transactions during the past year alone.
Exit Realty Access, LLC
Direct: (407) 744-2533
Fax: (407) 444-9925
Email: REOsofflorida@msn.com
Website: http://abidhendi.orlandopropertiesonline.com
Kissimmee Office: 391 N. Main St., Kissimmee, FL 34741
Altamonte Springs Office: 660 Palm Springs Dr., Suite D, Altamonte Springs, FL 32701
0 votes
Vincent Paige…, Agent, Orlando, FL
Tue Jan 22, 2013

Send me an email, and I will connect you with a awesome mortgage broker who can get it done!!

Let's get it done!

Vincent Warren Paige, Jr.
REALTOR® | RE/MAX Showcase
Certified Broker Price Opinion Registered Agent (BPOR)
8934 Conroy Windermere Road | Orlando, FL 32835
Direct: 407.256.8190 | Fax: 407.264.8073
E-mail: vpaige1@yahoo.com
0 votes
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