why is my credit score so low

We would need to look at the complete credit profile to determine why your scores are what they are.. if you or someone else ran a complete "Tri-Merge" credit report, then at the very first section where it tells you what your score is, it also tells you what issues are driving down your score, and its done in order of most to least impact. If you do not have a copy of your complete credit report, but only the score. then that wont do you much good.. you need to get a full "tri-merge" credit report with scores to know for sure. Most mortgage lenders will do this for you if you apply.. 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

That's a really good question, one asked by many people across America every day. You should have no problem getting a loan as long as you qualify for it from all other standpoints even though you have only 22 months of OT on your work history. That's absolutely preposterous! I'm doing a loan right now for a client who barely has one year on the job, and his OT is being included. What are your FICO scores and where did you get them from? If off the internet or from a credit card company, chances are they're not accurate for mortgage loan purposes because the scoring models used to determine them are different than the mortgage loan scoring model, which is the only one that count. I specialize in helping my clients increase theirs. Some of them improved by more than 100 points in less than 30 days. Give me a call 16/7 or email me your phone number so I can call you, and I'll be happy to walk you through the process. To learn more about me and our mortgage brokerage, click on my picture. When the next page pops up, click on "Website" and you will be redirected to ours. If you get a chance, read some of my blogposts on Lender411. They are quite informative. We work exclusively in CA and get loans done fast, typically in less than 30 days, at low interest rates and costs. I started doing mortgage loans in CA in 2006, and only do them there so I have an exceptional understanding of this extraordinary market. Representing more than 55 quality lenders that offer in excess of 1,000 loan programs, we definitely have something for everybody.