I have a program that does not use scores, we do look at credit for behavior. If you have a clean rental history (minimum 12 months), and pay your current obligations on time with a clean history for the last 24 months (unless there is a recent Bankruptcy of Foreclosure) we may be able to move forward if you have a modest amount saved in order to fund your escrow account. Either way you'll get a loan faster with me than you will through a bank, without going through credit repair.
I offer a program with no down payment, no closing costs, no perfect credit required. Friday's rate was 3.625% on a 30-year fixed. The first step is to get to a workshop. Go to http://www.NACA.com,
click on the blue 'Purchase' button at the top right corner of the page, then click on the 'Workshop' button on the left side of the following screen for a list of upcoming workshops.
Contact me with questions.
Mortgage Counselor-NMLS 280951