Can I qualify for an FHA with a credit score of 681

The minimum score one needs for an FHA loan with most lenders is 640. Some will go as low as 580. Your score of 681 will not be an impediment to obtaining an FHA loan. Do you qualify? That depends on the rest of your factors like income ratios, sufficient cash for down and closing costs, etc. I'd be happy to help you get into your new home. ~ Bert Carpenter, The LoansA2z team of NOVA Home Loans ~ NMLS 40586 ~ Certified by the National Association of Mortgage Professionals and Licensed in California and Arizona ~ www.LoansA2z.com 888-889-9950

Of course you can, as long as the you debt to income ratio, employment, down payment etc fall in line. Feel free to contact us at 800 315 8803. I have been lending in CA since 1989, and I am happy to answer your questions.

The credit score is more than enough as most FHA lenders accept 640 and above. However, your score is not the only thing that will determine if you qualify or not. Contact a loan officer and go through the pre-approval process to make sure you are good to go. Best wishes,

We can go down to 560 in California. If I can be of assistance please get into touch with me. ken@mortgagesforamerica.org - www.MortgagesforAmerica.org - 888-320-7888 - Ken Burrows

Yes, a 681 credit score is very acceptable for an FHA loan... But remember, credit score alone does not an approval make. Contact a local mortgage broker in your area, give them a full application, and let them fully pre-approve you based on your overall situation. In MN and WI, visit www.JoeMetzler.com for your FHA loan.

It takes so much more than a credit score to get financing that no one here can say for sure that your approved without looking at your complete profile.. that being said, most FHA lenders require a MID score of 640 or above.. some will go as low as 500, but any score below 580 will require 10% down.. Assuming you meet all the other qualifications, then with a 681 score, I would suggest you look at conventional financing.. you'll need 5% down vs. 3.5% with FHA, however there's no upfront mortgage insurance required for conventional and the monthly mortgage insurance is much cheaper.. The best advice I can give you is to contact a LOCAL mortgage broker and apply with them. Do not use the local "Big" bank, or one of those 50 states internet lenders or nationwide lenders...By applying with your LOCAL Broker, you have an advantage because he's familiar with local customs and works with numerous lenders, seeking out the best loan terms for your particular scenario. Because he has lower overhead, he can offer you lower rates and lower fees than most of the larger lenders.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com

Sure, and if you have 5% for a downpayment a conventional loan may be a better option for you. A good mortgage lender will look at both options for you

The credit score of 681 will not be a problem, assuming you meet all other qualification requirements for the program. Feel free to give us a call at 858-605-0952 to determine if you qualify for an FHA loan. We are a licensed California mortgage banker.

Absolutely, but thats not the only thing taken into account, earnings, down payment etc... are also looked at. You may be able to save quite a bit of money going with a conventional loan though, contact me to discuss all options available to you @ 214-499-0010

You are fine on credit score.