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if your credit is about 610 can you get a loan

Posted on: 10th Sep, 2009 06:30 pm
my husband and I filed bankrupt 6 year ago and we due have a car note our credit is around 610 can we still get a loan for a moblie home. the home is park and you rent the spot.
You need minimumof 620 to get a FHA loan
Posted on: 10th Sep, 2009 07:53 pm
Hi salcedo,

What type of loan are you planning to take? You should have a credit score of 620 in order to get a FHA loan. For conventional loans, you would require a credit score of 720-740. As your credit score is 610, you should try to improve it so that it reaches 620. Check out the following page to to know some steps to improve your credit score:
http://www.mortgagefit.com/credit-rating/credit-repair.html

Once your credit score improves, you can apply for a FHA loan.

Thanks
Posted on: 10th Sep, 2009 09:44 pm
your score should be 620 for FHA loan
Posted on: 11th Sep, 2009 05:54 am
I think your credit should be 620 for FHA.
But you can check with local lenders to get it with less credit score.

Check with local lenders that may be in benefit of you.
Posted on: 11th Sep, 2009 10:05 am
hello,
what type of loan u need
if you wannt FHA loan u need minmum 620-630 credit score,
and if you need other loan you need more credit score.
Posted on: 12th Sep, 2009 07:38 am
They are looking for loan on a mobile home
Posted on: 12th Sep, 2009 08:14 am
You have to check locally with your local lenders.That will help you to get your required loan as per your finantial condition.
Posted on: 19th Dec, 2009 03:18 am
Posted on: 20th Dec, 2009 08:28 pm
you can look at online lenders, or bad credit lenders but you'll probably want to try and get that score up a bit.

That said you may be able to get a loan, but it will most likely cost you more in interest.
Posted on: 21st Dec, 2009 04:39 pm
yeah...do what it takes to bump that score is the best advice. you're only 10 points below what most lenders use as a minimum for fha lending - pay somebody off today and see the benefit.
Posted on: 22nd Dec, 2009 12:28 pm
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