Mortgage approval??

Asked by Dustin H, 75019 Sat Mar 31, 2012

I am looking to purchase a home in the next 6 months and was curious in today's market if I could get approved for anything with my 620-660 fico... I am trying to test the waters and see what my options are before we resign our apt lease in October.. Any help is much appreciated!

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, ,
Mon Apr 2, 2012
Bruce is right.
Get pre-approved sooner than later. That way you have time to deal with any issues.
Let me know if I can answer any more questions.

Tom Burris
Mortgage Banker
(214) 763-4629 cell/text/nights/weekends(Really!!)
Lending all across the entire Great State of Texas!!
NMLS# 335055
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2 votes
Brian Rayl, Agent, Dallas, TX
Fri Apr 20, 2012

If you need someone to work with you that is local, Tom is a great resource to speak with about mortgages.

It's more than real estate. It's RAYL-Estate!

Brian Rayl
Keller Williams Elite
1 vote
Bruce Lynn, Agent, Coppell, TX
Sun Apr 1, 2012
There is more to it than credit score, but that's a great start.
I'd probably try to get preapproved now.

That way if there is a credit score cutoff to get a better interest rate, maybe you can work on it now.
The loan officer can also give you an idea of what money you will need for down payment and closing costs so you can start planning for that.

Also if there is anything negative on your credit you have time to get it removed.

You'll need another update closer to your purchase date, but I would try now.

If you need a great loan officer, let me know and I will get you a referral.
1 vote
, ,
Sat Mar 31, 2012
Have your Realtor introduce you to the loan officer they trust the most. Gather all of the support documents that will be needed to apply for a loan and meet with the LO face-to-face, have them walk you through the process and options available, good luck, home this helps,
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0 votes
Susie Kay, Agent, Dallas, TX
Sat Mar 31, 2012
Hi Dustin - I copied my previous response to you here:

I have a lender that I refer my clients to all the time and he is really good. His name is Larry Brand at Supreme Lending. His number is (214) 298-6635. I would suggest that you call him as he is also a mortgage consultant and will give advice if there's anything you can do now to improve your credit score.

Credit score is not the only factor that a lender considers; your employment, how long you've been in the same line of job, your payment history, bankruptcy and the list goes on.

When you are ready to purchase a home please call me. My references are available upon request!

Thank you!

Susie Kay, GRI, CHMS, SFR
United Real Estate
III Lincoln Centre, 5430 LBJ Freeway #280
Dallas, TX 78240

Servicing your real estate need is my priority!
0 votes
Bruce Lynn, Agent, Coppell, TX
Sat Mar 31, 2012
Potentially depends on more than credit score.
Let's get you set up with a loan officer to run the scores and look at your entire situation.
0 votes
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