I have a good job history and 20% down payment BUT credit is 570-580... Can I get a mortgage loan?

More info would be needed, specifically WHY?.. Why is your score so low? BK? Foreclosure? Short Sale? Unpaid Student Loans or Unpaid Taxes? Judgments? You could have a 750 credit score, yet with one of these credit deficiencies, you still might get denied.. so without knowing why, it's hard to advise.. This I know.. Most lenders want to see 620 or higher for FHA with a few going down to 600, 580, and a handful going down to 500, but understand that the lower the score, the more strict the guidelines are few that apply actually get approved.. For this reason, the best advice I can give you is to contact a LOCAL mortgage broker and apply with them. Once they see your complete loan profile, they will be better equipped to advise you properly. Also, by applying with your LOCAL Broker, you have an advantage because he's familiar with local customs and works with many lenders with each one offering a different type of lending program. This is unlike the local bank which typically only has a few lending programs. The more lenders, the more lending options, and the more likely your scenario will be accepted.. Plus, the broker is experienced in seeking out the best loan terms for your particular scenario, and he has lower overhead which typically results in lower rates and 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 NMLS# 226347

Our FHA program allows us to go down to as low as a 580 FICO depending on specific parameters. Let me know if I can help. Thanks and have a great day!

Yes you can get a mortgage with those credit scores. It depends on what is currently on your credit, but if you have not had any credit issues for the past year, you typically can get a loan with out ant trouble. Please feel free to contact me.

Hello. My name is Kay Cleland with KC Mortgage LLC here in Colorado. I am happy to assist you to discuss your options. 720-670-0124 www.kcmortgagecolorado.com

Yes, but It depends on your total credit and income picture, FHA would most likely be your best option. However, you should have your credit reviewed by a loan officer (such as myself) to see if there is anything that can be done to improve your current credit. If you have any questions please give me a call at 303-521-7169 or email at Sean.Young@NAFINC.com

You may have a hard time getting approved for a conventional home loan, but you may qualify for an FHA loan. Most lenders work with credit scores down to 580, you may need to contact your local broker or banker... a banker is not a bank just fyi.

We definitely have options to help with the purchase of that condo. Please call us directly to get more specific information on your financial background. 877.404.4805

Please give me a call at 303-955-5606. I am the #1 lender in Colorado on this site and also have several different loans we can discuss. I am out of Caste Rock but also can help you up in Broomfield