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getting a mortgage with little credit

like i said my credit is in good shape and the score is 731, but i only have one open credit line, which i have had for a year. i had another when i needed a full set of tires for my car but cancelled that once it was paid off. can i still qualify? this would be my first mortgage and i make $42K per year

by ryan.castle789423674 from Joplin, Missouri. May 21st 2014 Reply


Michelle Curtis Loan Originator NMLS 401173 (EmbassyFundingLLC)
#77 ranked lender in Florida - 2,244 contributions

There are lenders out there that will entertain little to no credit, you need to speak with a local mortgage broker. I say a broker because they typically have access to more programs as they can place loans with multiple lenders.

May 21st 2014
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Bartolomeo Castelli (BartCastelli)
#33 ranked lender in Missouri - 1,056 contributions

There are many factors that are looked at in regards to getting a home mortgage. From your statement, your credit score is indicative of what your credit history represents, and even though you do not have a number of outstanding creditors, I do not foresee that being of any concern when you apply for a home mortgage. Please visit me on my website at www.CallTheMoneyMan.com and I will be glad to help you.

May 21st 2014
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Hana Girgis (Anchor1)
#30 ranked lender in Missouri - 5 contributions

Hi Ryan, your situation sounds promising. Our company specializes in first time purchases. Please call me to discuss. Hana and my cell is 314-267-5555. Thank you!

May 21st 2014
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Sara Deere (Mortgagequeen2)
#1 ranked lender in Missouri - 604 contributions

Open Mortgage is a full service residential mortgage lender and get deals done in less than thirty days on a regular basis. Based on my experience you would easily qualify for a mortgage. Open Mortgage has very competitive rates available with borrower(s) who have one score even no credit score. You can directly apply on my website at http://saradeere.openmortgage.com. If you prefer you can call me direct at 816-268-5931 (direct phone number) or 816-914-9685 (cell phone number. Sara

May 21st 2014
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Ron Wohlfarth (RonWohlfarth)
#34 ranked lender in New Jersey - 65 contributions

Good Morning Ryan...With your credit score and income, Yes you can Qualify, Subject to a reasonable Purchase Price...Now the questions is, have you found a Home that you are interested in?If so, what is the asking price?Our contact information is listed below, feel free to contact us at our Office, Cell Phone or e/m, ~ We look forward to assisting you...~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~We are in the Real Estate Consulting Business...We provide Mortgage Financing in all 50 States...We specialize in Consulting for the HomeOwner/Buyer...Our goal is to obtain the best Financing for their individual needs...We are located in Downtown Woodbury New Jersey...Woodbury is the county seat of Gloucester County...We are about 25 minutes from Center City Philidelphia...Atlantic City is about one hour from us...Contact us thru our Web Page...---http://www.RonWohlfarth.com---Or e-mail us directly at Money@RonWohlfarth.com...Of course you may always call us at 856-853-1234...We look forward to assisting you with your Housing needs...

May 21st 2014
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