Middle FICO score of 661, can I qualify for a home loan?

Hey Connor... Based on the limited information you provided, you will have no problem qualifying. FHA requires 3.5% down, and most lenders want credit scores to be over 640... To be sure, contact a licenced local mortgage broker, not a bank and apply with them. They have access to numerous lenders and can find the right match to your particular scenario. WilliamAcres.com

Hi Connor,I would concur with the answer below as far as the qualification. However, I would not be so quick to dismiss a direct lender. My suggestion would be to speak to various types of mortgage providers. 1) Mortgage Broker2) Large Retail Lender (Wells, Suntrust, etc)3) Small bank or correspondent lender. (Type of institution I work for)They each have their pros and cons. Depending on your situation and priorities the right fit for you could be any of the above.Good Luck!Robert Hanson240-752-7549rhanson@westtownsb.com

That credit score falls within the acceptable range for FHA.Joe Shamie866-970-3400 x-274

Connor, you are good providing the score stays above 640 if you are shopping for a loan do it on the same day don't buy any new item using credit till after you purchased your home. I'm here to assist you and happy to get your loan done I can be reached at ballen@accessnational.com or 888-354-3299

Absolutely, FHA only requires a 3.5% down payment and your credit score is above the minimum needed. A lender still needs to check you out to make sure your income will support your existing paymetns as well as the new payment. My best advice is to contact a local Mortgage Banker/Broker, rather than one of the big banks. 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. www.LoansA2z.com ~ NMLS # 40586