I live in Ohio, have a median credit score of 592. Can I get a mortgage? I found a condo for a very good price.

Very difficult to say.. Since lending decisions are not based on one credit score.. The lender will have to look at all 3 scores, they will take the middle one to determine eligibility, but there are many other factors in getting approved.. Why is your credit score so low?? Judgments?? Foreclosure?? Short sale?? all 3 could disqualify you... do you have any good credit?? what type of job do you have? How long have you been working?? What's your monthly income?? What type of income do you have?? Self-employed?? Salary?? Hourly?? commissions?? You don't get approved just by having a credit score.. The best advice I can give you is to contact a LOCAL mortgage broker and apply with them. Not the local "Big" bank, and certainly not one of those 50 states internet lenders...By applying with your LOCAL Broker, he can see your complete profile, and will know how to properly advise you on getting approved. Also 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

Probably not if your mid-score is 592. Most investors are going to require a score of at least 600 (for FHA) and 620 for conventional. If you intend to put less than 20% down, PMI insurance companies will also require a higher (660+) score. Your best bet is to work with a local Mortgage Banker/Broker to find out what you can do quickly and easily to improve your score. ~ Bert Carpenter, The LoansA2z team of NOVA Home Loans ~ NMLS 40586 ~ Licensed in California and Arizona ~ www.LoansA2z.com 888-889-9950

Sounds like you've had someone recently pull your scores for you to know your "median" score. Like the others say, there are definitely things on the report that could pose problems with obtaining financing. On the other hand...... and I don't like to broadcast this too much..... I have a resource where I can go down to a 530 score. Now there are guidelines that have to be met for you to qualify. However, if you do meet the guidelines and you do not have the major triggers/issues on the report that prevents us from moving forward then there is a possibility of getting you into a home/loan. Give me a call tomorrow and I'll take an application or you can begin the process now by going to my website www.kimlawsonloanofficer.com clicking the apply now button and completing the application. From there email me a good time to call you to discuss your information and we can go from there. My phone number is 888-659-3848, email KIMBERLY.LAWSON@FPFMAIL.COM. I'll wait to hear back from you. Kimberly A Lawson, Mortgage Loan Originator, First Priority Financial NMLS: 5601 OH.LO.004495.000.