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my credit score is right at 590 is there a program that will help me get into a home?

by covertkristi184 from Freeport, Florida. Jul 18th 2014 Reply


Craig Prickett (cpmtgnow)
#159 ranked lender in Florida - 98 contributions

Yes I have a Fha program for you that requires a 580 and Also a Fresh Start program that may help you.. Contact me at 954 558 4430 or complete your online application at www.firstfloridafin.com click apply online and I will call you right back

Jul 18th 2014
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Paula Bonnafant (pbonnafant)
#178 ranked lender in Florida - 8 contributions

I may be able to help you. Please give me a call at 239-689-1331Best,Paula BonnafantAnnieMac MortgageNMLS#858645

Jul 18th 2014
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William J Acres (William_Acres)
#74 ranked lender in Arizona - 8,728 contributions

it's impossible to say for sure since it takes so much more than a credit score to qualify for a mortgage.. the real question is "WHY?" Why is your score so low? Bankruptcy, foreclosure, short sale, unpaid taxes or unpaid student loans, etc.. you could have a 750 credit score yet if you had one of these deficiencies, you might still be denied.. Also understand that although there are lenders out there that allow for scores in your range, the lower the acceptable score, the more strict the guidelines, and few that apply actually get approved.. so there is really only one way to find out for sure, and that's to apply.. try reaching out to a LOCAL mortgage broker and apply with them. 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

Jul 18th 2014
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Larry Gray (lgray_312_247)
#597 ranked lender in California - 1,139 contributions

It is terrific to see choices for you from Florida both from Craig and Paula.It is not an easy loan to do when your mid FICO score is below 620, and so experience and the knowledge of these two people are going to be very helpful. Our mortgage bank does alot of them, funding them ourselves, but I can only do loans in California.

Jul 18th 2014
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Jamie Lynne (nationwidelenderforyou)
#137 ranked lender in Texas - 576 contributions

I lend down down to a 530 score on FHA and VA loans in FL. Let's discuss your loan scenario in more detail. Contact me at 800 315 8803. My name is Jamie and I have been in the mortgage business since 1989. I am happy to answer your mortgage questions, 7 days a week and review your loan scenario. Until then, I look forward to hearing from you. Jamie Lynne - www.bartprequalifies.com - email Jamie@bartprequalifies.com - 800 315 8803

Jul 20th 2014
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