First time home buyers.

Individuals with your scenario can usually have their credit scores increased to help you qualify for better programs. A qualifying score of 620 will get you a much better mortgage that's less expensive. Having little debt and making 4k a month is great. Let me know if you'd like to discuss. (BPhillips@ENGLending.com).

Hi Lolavunk,If you can live on the out skirts of Henderson, KY you maybe eligible for a no money down USDA mortgage. Most lenders require a 620 or 640 score for USDA so you'll likely need to raise your scores. Please feel free to contact me for more information or help. | John Burke | Senior Mortgage Banker | Great Plains Bank | http://www.valoansdoneright.com | (877)228-9069 | Lending in ALL 50 states

The information you provided is a great start! Yet, to accurately present a qualified offer to you (or anyone) there is additional information that we (or most any lender) will likely need. Most of that information can easily be obtained with a short phone call. Feel free to reach out at any time to set up a time to talk!

I would love to help you! Give me a call at 859-388-4014.

More info needed,,, specifically, why are your scores so low? BK? Foreclosure? Judgement s? Collections? Outstanding student loans, or unpaid taxes? You could have a 750 credit score, yet with one of these deficiencies, you still might be denied.. Certain deficiencies need to be satisfied before you can apply.. others have mandatory waiting periods.. There are lenders out there that will say "We lend down to 500 credit scores".. but keep in mind that the lower the score, the more strict the guidelines, and few that apply actually get approved.. so don't fall for that! Without looking at your complete loan profile, it's impossible to advise you.. for this reason, I suggest you contact a mortgage banker/broker and apply with them. Once they see your complete loan profile, they will be better equipped to advise you properly. Its' possible you can buy now. .but if not, then they can advise you which steps would be necessary for you to get approved in the near future. Also, by applying with a Banker/Broker, you have an advantage because he's familiar with local customs and works with many lenders with each one offering a different type of lending program. This is unlike the local bank which typically only has a few lending programs. The more lenders, the more lending options, and the more likely your scenario will be accepted.. Plus, the banker/broker is experienced in seeking out the best loan terms for your particular scenario, and he has lower overhead which typically results in lower rates and fees than most of the big box banks. I'm a preferred Lender with California and Arizona being my primary markets. 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 NMLS# 226347 / LendUS, NMLS 1938/ AZMB0121893

Yes, you can qualify for FHA with 3.5% or if a Veteran for no money down. It's hard to determine exactly the amount you would qualify for without a conversation first. Feel free to reach out 270-228-0075.

YOU CAN GO FHA DOWN TO 580 AT 96.5% FINANCING..CALL A LOCAL BROKER OR SOMEONE FROM THIS PANEL THAT LENDS IN KT..

My suggestion is to not bother applying at this time. Work on improving your credit score to over 640 - then apply.