looking for broker or lender of bad credit loans. 520 FICO score. 18yrs on job.

Although there are lenders out there that say they will lend to borrowers with scores above 500, they carry very restrictive guidelines, and few that apply actually get approved.. Also understand that FHA requires a 10% down payment if your score is below 580. Also note that it takes much more than a credit score to get approved for financing.. income, type of income, job, type of job, credit history, debt, credit deficiencies, judgments, charge offs, collections, etc.. are all considered when determining someone's eligibility.. I have had borrowers with a 750 credit score not get approved because of certain credit items, so the real question for you is WHY?? why is your score so low?? without seeing your complete profile, it's hard for anyone here to determine if you can obtain financing or not.. so the best advice I can give you is to contact a local mortgage broker and apply with them.. once they look at your complete profile, they can advise you the necessary steps required to obtain financing.. .. 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

My advice is to consult a good credit repair specialist to see what steps you need to take in order to improve your credit scores.

Check with a local lender that can review your credit in depth with you. Create a strategy that can get your score to a 640 or greater. This will enable you tohave a wider selection investors and their guidelines ( better pricing also).

While FHA does not require a score , investors do and most sub 620 scores lenders will require a higher downpayment, but they can get your loan to settlement.I would see what you need to do to increase your scores, it will benefit you now and later