what is the minimum fico for a 125% loan?

125% Purchase loans are long gone.. However if your underwater and looking to refinance, there are options for you. Each program has their own score requirements.. some 660 or above, some 640 or 620, and some have no credit score requirements.. but to know which will work for you we would need to know which type of loan you have now, and we would need to look at your credit... .. 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 480-287-5714 WilliamAcres.com

125% loans are long gone, like approx. 8-9 years ago.

The only possible loan over 100% is the refinance of a VA, FHA Fannie Mae or Freddie Mac loan.

Hi Maggie,If your loan was originated before May 31, 2009 you may be eligible for HARP (Home Affordable Refinance Program). HARP allows for an unlimited Loan to Value. Call me and I can see if you qualify. Jeff PhillipsHP Investments, IncPhone - 415-867-6488Fax - 415-962-0474jeff@hpinvestmentsinc.comCalBRE#: 01879516NMLS#: 242083

If you are looking to refinance a Fannie/Freddie or FHA loan, most lenders will need a 620 fico.

If you are talking about a Harp Refinance, there are lenders that will do it with a 620 fico