husband has a 640 credit score and i have a 595 credit score, she make 38k and i make 43k, looking for a mortgage loan for approval in Omaha, NE

Asked by Adummar, Omaha, NE Fri Dec 7, 2012

My credit score recently went down from a 638 to a 586 because of late payments on a student loan in 2010 that was just now being reported. The only ing really affecting my scor is student loans that a couple years ago had been late and not paid on. Where can we go to get qualified for an FHA loan within 4-5 months?

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Monica Lang, Agent, Omaha, NE
Sat Dec 15, 2012
If you are considering a new home in Omaha, Celebrity Homes has 4 prefrred lenders that could help you.

If you would like to visit our model homes, please stop out to 6016 S 191st Terrace (corner of 192 & Y Street) I have 3 models here you can tour. I have represented Celebrity for over 15 years.
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, ,
Mon Dec 10, 2012

I can help you. I have lenders that offer FHA loans with credit scores down to 620. Please call me or
email me so we can discuss your situation and steps to take to raise your score so you can be on the loan also. My number is 402-333-5432 or you can visit my website at to get information on raising your credit scores.


Dennis W Clark
Freedom Lending, LLC
0 votes
Cory Fuller, Agent, Omaha, NE
Sat Dec 8, 2012
I see that a few other Realtors have already answered your question and there are some very good answers in there, and some very good agents as well. I wanted to throw in my .02 worth as I am currently working with a couple in a very similar situation that wants to have both of their incomes considered but only one has a credit score that is at the FHA minimum. Most lenders have a minimum required score of 640 for FHA loans but I have a loan officer that I do a lot of business with who has gotten clients of mine in the 620-640 range done when other lenders couldn't. I have this current couple currently working with one of my credit repair companies and they will have them both eligible within 4-6 months, so they can use both of their incomes and buy even more of a house than they can now. If you would like me to put you in touch with them, please call me or shoot me an email and I'll be glad to. I have referred multiple clients to this company over the past couple years and they have always gotten the results that my clients have needed, and in a quick and affordable manner. I look forward to hearing from you and will do everything I can to make sure that you are taken care of every step of the way. Good luck with everything!!!

Cory Fuller
Trulia Pro Agent
Prudential Ambassador
0 votes
Suzan Downing, Agent, Bellevue, WA
Sat Dec 8, 2012
Thanks Billie! I wasn't aware of Carlene's move; it had to be very recent because I just spoke with her a few weeks ago or so.
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Billie Atkin…, Agent, Omaha, NE
Sat Dec 8, 2012
Carlene is a great lender, she has moved to Pulaski Hone lending:

Carlene Zabawa
Senior Loan Officer
NMLS #457132

1125 South 103rd Street | Omaha, NE 68124
402.934.4215 office
402.884.4483 fax
402.312.6683 mobile
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Suzan Downing, Agent, Bellevue, WA
Sat Dec 8, 2012
Hello Adummar.
Try Carlene Zabawa at American National Bank 402-829-9667 or you can email her at If you would like to meet over coffee to get acquainted or if you need anything else, just give me a call or email me.

Suzan Downing
Keller Williams Greater Omaha
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Kelly Gitt, Agent, Omaha, NE
Sat Dec 8, 2012
It would be really important to get you to an experienced lender first to help you make a plan to purchase. Call Theresa Dein with Gateway Home Loans 402.681.8829 or Mike James Charter West Bank 402.660.8483. I have worked with them both for several years & give excellent service & rates!

Kelly Gitt
Gitt Real Estate
0 votes
Billie Atkin…, Agent, Omaha, NE
Fri Dec 7, 2012
All lenders offer FHA loans. Select a lender from a good company and work with them. Start there first.
Once approved, you are ready to go shopping with a realtor.
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AJ Watson, Agent, Bellevue, WA
Fri Dec 7, 2012
Please give me a call and we can go over all options. (402)681-6911
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Michael McGl…, Agent, Omaha, NE
Fri Dec 7, 2012
Call, text or email me, Mike McGlynn @ 855-257- 3294. We'll sit down together and evaluate your current situation together. We'll work together to create a plan on how to get into a brand new home!
0 votes
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