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my credit score is 590 is there any program for me to help me get into a home?

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


Rich Alino (PrivateBanker)
#56 ranked lender in New York - 41 contributions

depending on your financial profile, we are in private banking and may not consider your credit score at all,more info on how private banking is so different then conventional lending at our website, www.superjumboloans.info you can also call to discuss at 631-757-9700 x12

Jul 18th 2014
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Yes. I may be able to help. What's best number to reach you ?

Jul 18th 2014
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We are a lender in Florida and we can lend at that score. Call me 561 289 0125

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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Sean Young (SeanYoung)
#1 ranked lender in Colorado - 1,112 contributions

Are there loan programs that allow for credit scores at 590? Yes!....But, it will depend on your total credit picture and other qualifying criteria as well. I would contact a local loan officer who can offer FHA loans down to 590, have them review your information including your credit report and income and have them give you your options. If you look in the top right corner of this website under the Community tab, click Find a Lender and you will find some good local loan officers to choose from. Best wishes, Sean

Jul 19th 2014
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