I have a 610 credit score. I also have a cosigner. Do I qualify for a FHA loan and if so how do...
I go about getting a loan?
How high is your cosigner's score, and is yours a composite score or a score from a single credit bureau? Some banks will take an average score or the top two, while others merely check their bureau of choice and look no further. Also, do you have any collections or judgments on your report (No, you don't have to answer here, these are for you to think about for yourself)? Even if a collection account is paid, many lenders still won't lend as long as it shows on the report. As for how you go about getting the loan, I think http://www.hud.gov is probably the best way to find out, though most of those programs go directly through banks or other lending institutions, in which case you'll want to ask a loan officer at your bank of choice and they can fill in the details. Hope this helps!
by Davinagirl3 7 years ago
My husband and I are looking to buy a house in the upcoming year. We have run into some trouble looking for a lender because our credit is, for lack of a better term, crap! I am looking for ideas on how to raise our scores. We pay our bills on time, so that isn't the...
by JaneKnowsbest 5 years ago
Why is a credit score a factor in things such as price for auto insurance or employment?
by CWanamaker 5 years ago
What are some tips for improving your credit score when no one will issue you a credit card or loan?
by CWanamaker 5 years ago
What's the best strategy to improve your credit score when you have high credit utilization?Do you consolidate debt with a personal loan, open a new credit card and apply for a balance transfer for a portion of your debt, or do you simply focus on paying down your credit cards?
by Chupp22 7 years ago
Does any one know a site I can visit to check my credit score for free?
by ndn_3 8 years ago
i need a vehicle but with a credit score i can't a loan for down payments and i have 4 kids im a...single mother with a full-time job as a detention officer.. what can i do?
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