Odds of getting a mortgage?

Without getting some more info, it's hard to tell. However, you can get a mortgage with a 620 FICO score. In fact, it's possible to get one with a FICO as low as 500. I would like to help you but I only do loans in CA. Find a savvy mortgage broker in Ithaca and, given the right circumstances, you should be able to get a loan.

The gentlmen below is correct you should be able to secure financing based on the information provided. I am very familar with Ithaca, I am currently in sullivan county and origianlly from Rochester. I would suggest finding a local mortgage broker or local bank who has knowlodge of FHA or even USDA loans. If you have questions feel free to give me a call 845-856-2619Scott Irvine

Hello. I would love to discuss your situation with you. Your credit scores are fine. I would need to know your monthly payments that are on your credit to see what your debt to income ratio is. As long as your debt to income ratio works you should be able to qualify for a mortgage. Please call or email us at 201-962-3555 or TeamAmbassador@BestMortgageOption.com Thanks! Michelle Dema

It is possible however the lower score will determine qualification and right now 640 is our minimum score for qualification but find someone local to assist you on your loan the gentelmen responding that service that area will be your best option.

I'm a local lender in E Syracuse and I can definitely help you. With more information I can make a sound recommendation for you. Sounds like you're an FHA candidate, as far as the student loans, you need to provide documentation proving they will be deferred at least 12 months from closing. Here's a link with my contact info: give me a ring and I can advise you :) http://www.homesteadfinancial.net/syracuse/jdougherty

Based on Credit scores alone approval seems likely, but there is more data needed to give you a pre-approval. Contact a local Mortgage Banker/Broker, rather than one of the big banks. Unlike a bank employee, who is most likely just an order taker, a Mortgage Broker/Banker is Trained, Tested and Licensed in all aspects of Mortgage Origination. He/She will have access to loan products of many lenders, not just those of one bank, and can properly guide you. But more importantly, He/She is trained to take a look at the various different options available to you and guide you into the one that makes the best sense for your situation. Don't forget to check out your selected Mortgage Originator at the National Mortgage Licensing System at www.NMLSConsumerAccess.org ~ Bert Carpenter, The LoansA2z team of NOVA Home Loans ~ NMLS 40586 ~ www.LoansA2z.com

Your credit scores are sufficient to get approved, but to be sure you need to apply. Contact a local mortgage broker, not a bank, and apply with them.. they have access to numerous lenders and can find the right match for your particular scenario. WilliamAcres.com