BEST Advice: 640 or better is the general score required by lenders for MOST loan types. Some will agree to do the loan, but you will find, it will not be quick, they will need to get you to that score before actual loan approval.
Contact Fresh Start Consumer Services. This is service that I have referred many to with less than perfect credit files. No Gimmicks, actual facts and results. You could be at a 640 or better credit score, depending on the severeity in a few months. Results proven! 478-918-7692 for an appointment contact Christopher.
BUYING MADE EASY and affordable!!
There are sellers that have sales professionals like myself in the community daily and offer full in house services. Model visits, lender prequalification, attorneys and product information. Realtors are welcome, co-op fees paid by seller as well as closing costs. If you have a realtor great, if not, most open 7days a week and available on the web. Look for communites that offer 100% USDA financing if you want to avoid, paying out of pocket 3.5% FHA loans. Look on the USDA Map and type in the address and zip to see if the home is available in that area in any state! You can also contact the community or contact a realtor. Also check to see if your lender or the seller is contributing to closing costs. Other fees would be Earnest money deposits, Appraisial fees, that are solely your responsibility!
This way you know your expenses upfront and can plan for short or long term goals.
Starting any movement gets you there, YOU decide how fast!!