What credit bureau do loan officers or underwriters look at to calculate a 620 credit score for a FHA loan?
There is Experian, Equifax and Transunion I have different scores for each, but which one do loan officers and underwriters look at to approve you for an FHA insured loan? Do they look at the highest, lowest or average? by meli3bee from , . Jul 19th 2011
Stephen Harris (stephen.harris)
#38 ranked lender in Ohio - 37 contributions
The lender and underwriter will pull all 3 of your credit bureau's and they will use the middle score of all 3 to determine your eligibility for the various programs and loan to value that you can qualify for. There are a few lenders that will still write loans under a 620 if you meet some other factors.
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