Everyone is telling my fiancee that he has to have a score of 620 to even get approved, what do we have to do to get a loan?How do you get a mortgage with a credit score of 619?
Shop around. You will more than likely have to get an FHA loan.How do you get a mortgage with a credit score of 619?
Getting approved for a mortgage is not entirely based on your credit score. It's also based on your income and any other outstanding debts you may have. The low credit score may affect the interest rate you get though....it'll probably be slightly higher.
Just go into any bank and see if you can get pre-approved for a loan amount equal to how much you plan on borrowing for your house. It doesn't hurt to see what you would get and doesn't cost you a penny...there's also no requirement to go with the bank that gave you a pre-approval.
creditreport.imess.net - try this service to boost you credit score before getting loan. After credit repair you can get the loan with minimal interest rate.
1 co signer
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