I have a credit score of 645 is this good enough for a mortgage?

FHA loans are still available AT 3.5% down with a credit score of 620 or better. Steve Sexton steve@1800valoans.com 877-376-0223

A 645 score is low, but good enough to pass the minimum credit score requirement of most lenders for FHA financing.

Depending on how you're going to finance your property. 5 - 10% down with conventional, 3.5% down w/FHA financing and if you're purchasing a HUD home, some lenders are still using the $100 down HUD homes program. Also, check with your local RE Agent to find out if that particular county has down payment assistance programs. I know in GA, there are quite a few...depending on where you purchase the property.Here are a few items that the lender look for: Stable employment for the last 24mos, at least three (3) solid tradelines, two (2) yrs of verified residency...other necessary documents for financing.