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Credit Score in Massachusetts : Real Estate Advice

  • All567
  • Local Info29
  • Home Buying291
  • Home Selling73
  • Market Conditions11

Activity 20
Fri Jul 14, 2017
Christina asked:
Tue Aug 30, 2016
mary muni asked:
I have a family of 5 that would like to moved to the Worcester area since my husband job and my work plus school are there , We live outside mass , my question is why is so difficult to…
0 votes 0 Answers Share Flag
Thu Aug 18, 2016
Angelica P answered:

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Consumer Care Advocate
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0 votes 1 answer Share Flag
Wed Feb 3, 2016
Tammy Lamoreux asked:
Ideally I want a stand alone property with two bedrooms close to pond, lake, and/or the ocean with a somewhat modern kitchen bath and a patio or deck. I receive SSDI each month (due to…
0 votes 0 Answers Share Flag
Sun Mar 30, 2014
BitcoinBaller answered:
Getting behind on bills due to a period of unemployment can happen to anyone, and has happened to many Americans since 2008. Paying past due balances is a very tricky proposition because you can actually do more harm than good in some instances. Before paying off anything or even speaking with sleazy debt collectors, pull a free credit report from the major 3 credit bureaus. Make sure you get them free, as a Massachusetts resident you're entitled to one per year. They'll try to sell you an upgrade, don't waste your money. Once you've got all three, you can dispute each negative line of credit. Some may be inaccurate, some may have incorrect information. If you look up how to repair your credit, via google search or library, there is a lot of good info on how to get bad credit info removed from your reports. I actually have helped many friends and some past clients "doctor" their reports to get a car loan or mortgage at a better rate. Just use common sense, and don't fall for companies who promise to get your scores really high for a few bucks. Most people can do it themselves for the cost of time, research, letter writing, and postage. The stuff you can't get wiped off, you can then try to negotiate a settlement that even states paid in full/never late as part of your negotiation. Just get it all in writing before you give them your money. A debt collector will lie and do anything to separate you from your hard earned money and most of them have paid pennies for your charged off debts. ... more
1 vote 1 answer Share Flag
Wed Mar 12, 2014
Darren Sessom answered:

I can help you with your credit repair needs so your concerns are no longer an issue.
Our program is no longer than 180 days (6 months) with PERMANENT deletions and a money back guarantee.

Call or email me today for a FREE consultation!

Darren Sessom, CCRS
Sr. National Consultant
RMCN Credit Services, Inc
972.984.5110 Direct
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0 votes 3 answers Share Flag
Wed Jan 15, 2014
Shawn M. Masterson answered:

Yes, there are certain criteria, such as the hardship encountered which led to filing the petition, but there are some programs to aid the buyer. Do you have a lender?


Shawn M. Masterson
Managing Broker
Barristers Real Estate Advisors, LLC
145 Waterman Street
Providence, RI 02906
(508) 687-BREA (2732)
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0 votes 4 answers Share Flag
Tue Sep 10, 2013
Megan Tolland answered:
It might also depend on how long you have been working. My advice would be to talk to a good lender try Alan Kessler at the Mortgage Pro's in Framingham, he's excellent (508) 370-0111 ext 2. If your not able to buy right now he can tell you what to do to be ready asap.

I'm a local agent and have sold real estate here in the metro-west area for 20 years. Visit my web site at or call me at 508-932-9179 to start looking at homes!
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0 votes 6 answers Share Flag
Tue Jul 16, 2013
Jessica Bateman answered:
Yes. Is it a streamline FHA? I recommend all my clients that have credit issues to check with The Lenders Network, check them out. If anyone can get you approved they can!
0 votes 6 answers Share Flag
Mon Jul 1, 2013
Jim Driscoll answered:
We offer financing for clients with credit scores as low as 620. Take a look at our video testimonials to hear what our clients are saying about us. Call me if you would like us to send you a detailed mortgage analysis so you know the numbers in order to make an informed decision.


Jim D
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0 votes 3 answers Share Flag
Tue Dec 11, 2012
Sha Hinnant answered:
It depends. Only a reputable loan officer can answer that question. The loan officer should review your credit report with you (because sometimes there are errors on your credit report). After that he'll look at your past credit history AND your current credit history to ascertain your credit worthiness. Hopefully you have some positive credit history in the past year or two. (FYI - if those negative reports were caused by loss of job, death in the family, sickness, etc., you are allowed to attach a statement to Experion, TransUnion and Equifax to explain your circumstances). ... more
0 votes 3 answers Share Flag
Mon Nov 19, 2012
Karen Scopetski answered:
I would go to a credit union or a local bank for a loan. You will be able to see them in person:)
0 votes 6 answers Share Flag
Mon Nov 19, 2012
Karen Scopetski answered:
Not impossible, you should talk to a profolio lender. You may pay a higher interest rate. Once your credit is better you can refi. Usually credit unions or local banks do profolio loans
0 votes 10 answers Share Flag
Thu Feb 16, 2012
Peter Keane answered:
Try Richard Jalbert <>. If he can't help he'll know who can in that area.
0 votes 1 answer Share Flag
Thu Jan 26, 2012
Scott McCauley answered:
Allison, I have programs that can accomodate borrower's with a 580 middle score(middle of the 3 reporting bureaus), so feel free to contact me and I can show you what needs to be done.

Scott McCauley
ph- 603-380-3798
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0 votes 4 answers Share Flag
Sat Aug 13, 2011
Denise Savello answered:

Some lenders will lend money to people with 620 credit scores and I've seen some lenders who go as low as 580. Everyone's situation is a different case so the best thing to do would be to work directly with a lender to get prequalified.

I have a team of lenders I work with and can refer you to them. Just email me or call and ask and we'll go from there.

The key is though that I think you should be fine from a lending standpoint but there's no way to tell 100% until you speak with a lender.

Hope to hear from you! My lender is standing by on Sunday's for prequalification phone calls. Just let me know.

Denise Savello
Coldwell Banker Wardley
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0 votes 9 answers Share Flag
Mon Nov 8, 2010
Heidi Zizza answered:
The best way to check is to contact the 3 credit bureaus and see if they have any history. Congratulations on your status
0 votes 4 answers Share Flag
Sat Jul 31, 2010
Elizabeth Herbert answered:
Is that $20000 U.S. dollars Philip? Usually with financing in America for resident aliens they require at least 50% down. Also you would need to provide what type of Visa your are here on and also you would need to obtain a social security number in order to get employment. If you obtain financing in Ireland that could be easier for you but you would want to consult with an experienced international attorney who handles real estate and immigration.

If you need any further assistance I am a member of FIABCI/International Real Estate Federation. I can be reached via
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0 votes 6 answers Share Flag
Tue May 25, 2010
Scott Godzyk answered:
The credit inquiry when they pulled your score will count as an inquiry but the reasons they check for not giving your credit do now show up on your report. Companies are required to send you a denial letter if they do not approved credit within a certain amount of days. Unfortanately they can click one or many boxes as reasons you did not receive credit. It shows up in their records, but will not show on your report.

Good luck with yourmortgage.
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