Can I get a loan approval letter with a credit score of 630 (mid)?

Yes, we approve loans Conventional or FHA with a 620 mid score..please apply online @ www.expertloan.com or you can call me @ 214-727-9281Thank You, Jeff DobbsGold Star Mortgage

Hello and good afternoon. The 630 credit score is fine in and of it self to do a new loan for you, but the second Paul to reply to you is correct. If the reason for your 630 is a recent mortgage late or bankruptcy or foreclosure then there are almost no options. If it is just a couple of old collections or a late pay on a credit card or two you are probably ok. There is a lot more than credit score for someone to provide you a qualified response. I would love to help you further and am just down the road in Lewisville. Brad Cahoone - 972-724-3222 - bcahoone@globalhomefinance.com - NMLS ID 184176 - Global Home Finance Inc - 913 N Mill St Lewisville, TX 75057 - globalhomefinance.com - NMLS ID 316441

If you are talking about buying a newly built home, the above answers apply. If you are looking for a new loan to construct a new home (a construction loan), you will need to improve your score before a bank will consider you credit worthy. My best advice is to contact a local Mortgage Banker/Broker, rather than one of the big banks. Unlike a bank employee, who is most likely just an order taker, a Mortgage Broker/Banker is Trained, Tested and Licensed in all aspects of Mortgage Origination. He/She will have access to loan products of many lenders, not just those of one bank, and can properly guide you. But more importantly, He/She is trained to take a look at the various different options available to you and guide you into the one that makes the best sense for your situation. Don't forget to check out your selected Mortgage Originator at the National Mortgage Licensing System at www.NMLSConsumerAccess.org ~ Bert Carpenter, The LoansA2z team of NOVA Home Loans ~ NMLS 40586 ~ www.LoansA2z.com