I'm working on getting my score. Can I get a home loan my high score 564 and the low is 544

Hi Phylis, depending on the reason for your low score, there are some lenders who MAY be able to help you get a mortgage as long as you have a significant (10% or more) downpayment. However, to get a reasonable/market mortgage rate and more smooth approval you need to work on improving your middle score (not the highest or the lowest, the one in the middle) to over 640. Check out my blog on this site: "First Steps" for some suggestions. I'm here in SC, feel free to contact me if you have specific questions. pdumouchel@primelending.com

Possibly, but it would be vey difficult.. FHA will allow 500 credit scores, however if your score is below 580, you need 10% down payment.. Also understand that FHA does not lend money.. they only insure loans against default.. the lenders, or those with the $$$ will have their own set of rules above and beyond what FHA calls for.. it's these "Overlay's" that require 600, 620 or 640 credit scores.. and understand that the lower the allowable score a lender has, the more strict the guidelines and few that apply actually get approved.. You're far better off working on raising your credit score.. get it above 640, and you would have endless possibilities.. my advice.. 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. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com

We are a nationwide lender but have local underwriters. Some no problem here. Brokers send loans to us. Save time deal direct make your life simple. Apply free and free credit pull. If score low we provide free simulators to improve score and will lend at 620. Apply at www.firstfloridafin.com or call 954 558 4430. We do loans in your state