Qualify for an FHA loan jointly?
Hi, my guidelines allow me to write FHA loans down to a credit score of 600. Your situation is not unique these days. You have plenty of income to qualify. I can also run a credit analyzer and tell you what you need to do to get your score up, and we offer Rapid Re-Score to get your credit profile updated with the...

can i avoid pmi if i don't have a 20% down payment?
Along with the options that the others have listed, I offer an 80/10/10 which is an 80% first mortgage, a 10% second mortgage. The other 10% would be your down payment. This is one way to avoid receiving a higher rate due to taking lender paid PMI. Good luck!

Last year I had to sell my house as a short sale. My credit dropped to 630. How long before I can get a loan?
Hi, though your credit score is sufficiently high enough to qualify a loan, you will have to wait 4 years for a conventional loan and 3 years for an FHA loan due to the short sale. I hope that helps!Pat

My credit score 637 . Can I get approved for conventional loan ? I'm already pre qualify for fha thank you
Hi, I can write a conventional loan down to 620 and an FHA loan down to 600. I also offer a free credit analyzer and rapid re-score to get your score up. In many ways your credit score can affect your rate so a higher score is worth working on. I closed a purchase loan for borrowers last month. When I received the...