Middle credit score of 624 (and what is in my credit report) a barrier for a HARP loan if all other requirements are met?

Some here will say "send me your info, we can do it".. but I have done a TON of these HARP loans, and if your mid score is 624, you will not get approved... period.... you're better off paying someone to help you restore your credit rather than let a multitude of loan officers run your credit, driving your scores even lower.. the HARP program is here for another year, so there's plenty of time to get your credit turned around and get your scores up.. 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

send me your phone number to yourloanpartnerforlife@live.com linda you need to do a credit restoration i work with one national company, and they give me the best price to give to borrowers. so after 25 yrs in this industry, experience and the right connections work! if you call directly, they will quote you a higher price ..

I agree with William here: Until your score is improved, you will not be able to get approved. Everyone is going to either tell you that you need to apply, or they will try to sell you off to a FOR FEE credit restoration company. Although I can't help you with the loan, because I am not licensed in PA, I might be able to help you with a roadmap to getting your credit cleaned up so you can get the loan. I have been doing credit restoration for customers for 20+ years, and I do not charge. Call me to discuss what I can offer you. ~ Bert Carpenter, The LoansA2z team of NOVA Home Loans ~ NMLS 40586 ~ Licensed in California and Arizona ~ www.LoansA2z.com 888-889-9950

We can help you asap with nof fees to get the credit improved so you can secure the Harp while it is still available and with the lower rates that still exist. We are approved for lending in Pa with great rates and minimal fees. Give me a call for complete details Mark 800-485-1387 Extension 107

Not sure why you wouldn't be able to get that loan.....I am local in Plymouth Meeting and would enjoy a conversation and the opportuntiy to earn your business when others say no. 610-832-1713

Actually, contrary to what a few of the others have said here, you can accomplish the refi with a score of 624. There are actually quite a few lenders that allow a 620+ credit score on HARP. If you're getting into the extreme LTV range of over 125%, there are fewer lenders who can do it at that range, but still some that can nonetheless. That being said though, if you start the process please be smart with your open credit accounts. If you're currently at 624 don't open up any new accounts and also think twice before paying something off completely, as that can lower the score temporarily depending on the circumstances. If you would like me to recommend a lender to you, please feel free to contact me.