Home Equity Loan - Poor Credit

It really depends on the whole picture you present. Since you own your home outright, you are looking at a new First mortgage. There are traditional programs that will allow scores as low as 580, depending on your other factors. But if your scores are low because of a recent history of bad credit and charge offs, you are probably looking at a hard money lender and that can get pricy. Work with a local Mortgage Professional to find out what you are eligible for, and what you can do to get your credit better. ~ Bert Carpenter, The LoansA2z team of NOVA Home Loans ~ NMLS 40586 ~ Certified by the National Association of Mortgage Professionals and Licensed in California and Arizona ~ www.LoansA2z.com 888-889-9950

Required score depends a bit on program.... But very generally speaking, when people ask this question, most lenders will encourage you to have a 660 or higher score.

For a home equity I would say at least a 680 but most likely 700. We work with a credit specialist that does a great job, conct us if you'd like his info for a free consultation.Call us or email us at 201-962-3555 or Team@BestMortgageOption.com for ano cost no obligation analysis of your situation.Ask for Michelle or Benny We will find the Best Mortgage Option to suit your needs!You can check us out at www.BestMortgageOption.com

Lexington Law is one of the largest and most popular credit repair companies - look them up - you would want a 700 mid score to get best rates . www HOMEMORTGAGEXPERT.COM

If your home is free and clear we can assist you with a cash out refinance with a credit score as low as a 620. We also offer credit counseling at no cost to our clients. We also have 3 reputable credit agencies that we can involve should that be required.Enjoy your weekend!

660 is generally the norm. I owned one of the largest credit repair companies in the US and sold it. Lexington Law was our competitor, but they take too long and you have to do it all yourself. It is a good option when you have a year's time to wait and can only afford their little fees. The longer it takes for them to repair your credit, the more money they make so you can understand their business model. I have cleaned 1000's of credit files and I still help my clients and family. If you want I can review your file and let you know exactly what will come off and what won't. Most derogatories are easy to get off, but people just don't understand how to dispute so they are removed. I don't have a problem reviewing your credit and letting you know exactly what can be done. I enjoy helping. sasha@magercapital.com 866-244-5030 ext. 100Thanks,SM

I currently work in the North Carolina and Virginia markets. The first mortgage option would be the best option for a lower score. Contact me at 757-390-7303 or vbhomeloans.com. Michael Zimmerman NMLS# 924701 or email @ mzimmerman@southerntrust.com