home loan with 655 credit score?

If the only qualification was credit an acceptable credit score, then yes.. However there are other factors that the lender will look at such as how much money you make per month, and what expenses you have (Debt to income ratio), also which type of income you have.. Self employed, salary, hourly, commission... etc.. Also, are there any tax liens or judgments.. So as you can see.. There's more to a loan approval above a credit score.. to be sure, you should contact a LOCAL mortgage broker, not the local "Big" bank, and certainly not one of those 50 states internet lenders...By applying with your LOCAL Broker, you have an advantage because he's familiar with local customs and works with numerous lenders, seeking out the best loan terms for your particular scenario. Because he has lower overhead, he can offer you lower rates and lower fees than most of the larger lenders.. 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. 480-287-5714 WilliamAcres.com

Yes you should be able to qualify with no problems. You should also be able to avoid Mortgage Insurance with no problem. If you have any other questions or need information don't hesitate to reach out.

Assuming your mid score is 655 and you have no derogatory credit in your credit profile, and you have 10% of the purchase price for down payment and closing costs, it is likely that you would qualify. The best way to know for sure is to contact a local Mortgage Banker/Broker. I recommend a Mortgage Banker/Broker, rather than one of the big banks or big national mortgage factories because, unlike a bank employee, who is most likely just an order taker, a Mortgage Broker/Banker is Trained, Tested and Licensed in all aspects of Mortgage Origination. He/She will have access to loan products of many lenders, not just those of one bank, and can properly guide you. But more importantly, He/She is trained to take a look at the various different options available to you and guide you into the one that makes the best sense for your situation. Don't forget to check out your selected Mortgage Originator at the National Mortgage Licensing System at www.NMLSConsumerAccess.org ~ Bert Carpenter, The LoansA2z team of NOVA Home Loans ~ NMLS 40586 ~ www.LoansA2z.com 888-889-9950

Should go FHA in the mid to low 3s. Call 505-250-7670 ask for Rick

Your score should get you an FHA loan option. But remember, credit score is only one aspect of loan approval. Contact a local licensed loan officer to discuss your overall situation and qualifications. How do you know if your loan officer is licensed? Go to www.NMLSconsumerAcess.org. Type in their name or NMLS number. Look at the end of their information page. If it says "Federal Mortgage Loan Originator", they DO NOT have a license. Do NOT work with them.

Yes, but consider FHA. Rate will be lower