My credit 623 . And I have charge of on my report for 5 years already . Will I still get a home loan . My in come 50000 years

With your credit score you have access to government or conventional lending. Then the charge off should not be an issue either. The question is whether the number of liabilities appearing in your credit in relation to income and any deductions reported in your income taxes are affecting your qualifying ratios.

Hello! I can work with scores down to 580 for FHA and VA. With a 623 and FHA financing you will get our best rate and terms. Conventional/loans you will pay a higher rate with that score, but you can still likely qualify for financing. Be careful to NOT pay off that collection until your credit has been analyzed properly as it could actually lower your score to do so. Please make sure that you speak with an experienced lender who will lay out various options and intelligently discuss the pros and cons of each with you. I'm happy to help with the financing or just give you advice. If you need more information, or a competing rate quote call, email or use my live support button to discuss or get in touch with me. Web Address for live chat or quote is: http://www.loansfromrob.com/quote/ Email is robertlh66@verizon.net and direct phone is 240-752-7549. Good Luck -- Rob Hanson

Your credit score is loan, but most lenders will go down to a 620 middle score. Remember that score alone does not equal an approval. www.Minneapolis-Mortgage.net