Trulia Community - Advice from neighbors and local experts

Find Your Community
We couldn't find that location. Please try again.
Get Expert Advice

Credit Score in Maricopa County : Real Estate Advice

  • All38
  • Local Info1
  • Home Buying23
  • Home Selling3
  • Market Conditions0

Activity 33
Tue Aug 15, 2017
Hi Steven,

Yes, I can do VA & FHA loans down to a 580 score.

Take a look at the recommendations from some of my past clients on my Trulia profile by clicking the link below my phone number.

Please feel free to contact me for more information or help.

John Burke
Senior Mortgage Banker
Lending in ALL 50 states
Great Plains National Bank
Apply Online:
NMLS# 787231
... more
0 votes 5 answers Share Flag
Tue Jul 11, 2017
Niki Campbell answered:
Hello Joe,

I would like to introduce myself, I am a mortgage loan officer with HomeStreet Bank and have actually handled many financial portfolio's with troublesome credit scores and debt-to-income ratios. Give me a call today at (619)550-7541 so we can further discuss your situation and see if we can work out a plan that works for the both of us.

Looking forward to hearing from you!
... more
0 votes 1 answer Share Flag
Sat Mar 11, 2017
Karen Peyton answered:
Contact a local agent or property management company and explain your situation. They may require a higher security deposit, but many will be willing to rent to you. Good luck!
0 votes 1 answer Share Flag
Sun Jan 15, 2017
Michelle asked:
My credit score has depleted ever since my terrible break up with my ex fiance. I made the mistake of co signing a car with him, and he refuses to pay the car payments, I unfortunately can…
0 votes 0 Answers Share Flag
Thu Jan 5, 2017
Hi Thomas

I specialize in VA financing & can do VA loans down to a 580 score so it is possible.

Take a look at the recommendations from some of my past clients on my Trulia profile by clicking the link below my phone number & then call me to discuss your situation.

John Burke
Senior Mortgage Banker
Lending in ALL 50 states
Great Plains National Bank
... more
0 votes 3 answers Share Flag
Mon Aug 8, 2016
Steve Bernstein answered:
Low credit score mortgages are available in AZ, But these loans require higher down payments and interest rates. If you instead spend the next 4 to 6 months working on increasing your credit scores, you will likely be surprised how quickly your scores will increase!

7 Ways To Increase Your Credit Scores Quickly:

1. Pay down Revolving balances to 50% of credit lines.
2. Pay off small collections and request paid in full letters.
3. Pay off Collections & Judgements after negotiating reduced.
payoffs, &/or letters stating accounts will be removed from bureaus.
4. Build 3 Positive accounts by running small balances and paying
at least the minimum monthly payments on each card every month.
5. If you don't have 3 opened accounts, try to open, use & pay a
couple of retail store accounts &/or secured credit cards.
6. Don't run additional credit Inquiries until you are ready to apply
for your mortgage as each inquiry reduces your credit scores.
7. Then contact Steve Bernstein at
... more
0 votes 2 answers Share Flag
Sat Jul 16, 2016
Karen Peyton answered:
You haven't asked a question, but if you want a referral to a lender, contact me through my profile or website.

Best of luck accomplishing your re-fi!
0 votes 1 answer Share Flag
Mon Jul 4, 2016
Joel Williams asked:
I am a mother with 2 children and I have poor credit due to my divorce. I have applied for 5 homes in the westside area and keep getting denied because of my credit and rental history. I…
0 votes 0 Answers Share Flag
Sun May 22, 2016
Karen Peyton answered:
Google your question for resource websites to find the answer.
Bankrate and NerdWallet may be good places to start.
2 votes 1 answer Share Flag
Mon Feb 22, 2016
Karen Peyton answered:
The requirement is 2 years from the discharge date on FHA, but you can likely find someone to give you a loan. Understand though you will pay a premium: points, higher than market interest rate, and will need a hefty down payment.

It would be best to wait another year...

Good luck!
... more
1 vote 1 answer Share Flag
Tue Jul 28, 2015
Brian Eastwood answered:
Hi Denise,

Another great lender for you to work with is Ron Kuhn at Amerifirst Financial. He's as honest as the day is long and will provide you with the exact steps you need to take to repair your credit. You can find hom through this link: ... more
0 votes 3 answers Share Flag
Wed Nov 5, 2014
Raymond James answered:
Capital Finance offer You the plain chance to assess loans of all kind. We have the capacity to render and support any means of finance set-back facing You, your company,your project etc.

Relate your financial in-pontes with us and you could stand a chance of settling your financial scores.

Contact: Raymond James
Capital Finance Group
... more
0 votes 21 answers Share Flag
Mon Oct 20, 2014
James Wehner answered:
When was the last time you tried qualifying for a loan? There are newer programs available that might work for you. Give me a call and we can discuss.
0 votes 19 answers Share Flag
Fri Aug 22, 2014
Troy Erickson answered:

Morgan has provided you with some great information regarding your question. I would just like to add that hopefully you are working to improve that credit score so it will not be an issue in the future. Some other things that would help you qualify as a tenant are if you have a long history with the same employer, and that you have previously lived in the same place for a while. Be prepared to explain up front your credit deficiencies so any potential landlord might have a better understanding.

I hope you were able to find a rental home to suit your needs.
... more
0 votes 2 answers Share Flag
Tue Nov 26, 2013
Annette Lawrence answered:
I applaud your initiative to live below your means. If you are not careful you will eventually end up DEBT FREE! Won't that feel good?
Real estate professionals are all about helping those who have a vision for their lives. New beginnings. That is why we can endure the unpleasant while looking for the mission driven.
If you are serious, and it sounds like you are, you need to PICK up the phone and call a Phoenix real estate professional. If you are not serious, you wlll attempt to use those 'contact' links and will receive appropriate response.
The agent you call will need to complete an analysis of your situation. The solution will either be identified or CREATED. For an agent to invest the resources and time required to create your solution, you need to demonstrate you are committed to the process until the end. Picking up the phone is the first indication you are serious. Using the link suggests you have all day, all year...all the time in the world to make a decision...that Won't work.
Now, keep a eye on my Trulia blog. At the first of the year I will be resuming a series on how to actually earn some money using the keyboard at your finger tips. When you are living below your means, and nurture something for which you have passion, all you need is a little simple and FREE instruction. 20 to 50 bucks a week simply to so you it's doable...but only for those who embraces dreams...humble they may be..

Best of success,
Annette Lawrence, Broker/Associate
Remax Realtec Group
Palm Harbor, FL
Move to the Front of the Line
... more
0 votes 5 answers Share Flag
Tue Oct 22, 2013
lendersnetwork answered:
You can get a loan now.. We help people who have low credit scores and match you with a lender that has a loan product for you. 580 credit score needed for FHA and 620 for conventional with 3% down. ... more
3 votes 8 answers Share Flag
Wed Oct 9, 2013
cortezdebbie313 answered:
You an also try another option which is credit repair. I did this and saw my scores increase a lot. I used a company called They seem to know what they are doing.
0 votes 20 answers Share Flag
1 2
Search Advice