What is an acceptable credit score for FHA purchase?
There is no real minimum score for FHA lending. Many of the lenders that we deal with do require a 620 score in order to get the best rate. We do have programs available for lower credit sscores. If you have any questions please do not hesitate to give me a call. (845) 621-4251 EXT- 10. Thank You, Philip...

can you help with a refinance
Please give me a call at 845-621-4251 or 800-711-1071 Ext-10. Thank You,Philip Baldessarre

Do any lenders count rental income in qualifying for a second loan?
You are correct. We can use 75% of the gross rent on the property as long as we can show that the property you will be renting out has 25% equity left. We do allow a flexible debt to income ratio. Please give me a call or send me an email to discuss further, I would be happy to answer any other questions you may have...

I have a credit score of 719. Is that "excellent" when filling out the form on this site?
Joshua,We generally look for a score of at least 700 to be considered excellent. With a score of 719 you have many options available depending on your income situation. Please give me a call to discuss further.I can be reached at 845-621-4251 or toll free at 800-711-1071.Thank You,Philip...