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Trevor Curran, Mortgage Broker Or Lender, Great Neck, NY
Good morning kneelbeforezod,
(luv the screen name! "Why does he not kneel before me? Does he not know I will kill him!?!")
Those scores you posted appear to be sufficient for most mortgage Lenders today. Many Lenders require a minimum 640 credit score. Since your middle score is 655 you appear to be in good shape.
Since you've been rehabbing your credit (and you're...ZOD!) be aware of any credit report "nastys" that might crop up when a Loan Originator reviews your credit report. If you've settled any collection accounts, charge-offs or judgments, be sure you have the proof in hand. Even though the account might show as "PAID" on the report, most Lenders still want to see the written proof. You'll also need to provide a written explanation for any derogatory accounts, even if you've settled/paid them. The Lender wants to know what happened that cause the credit problems, not in intricate detail, but enough to provide a basic explanation.
Two other things:
1. IF you've paid a collection/charge off/judgment and it does NOT appear as "PAID" or "SETTLED" on your report, be aware that when the creditor does update the report accordingly, your credit score will drop, albeit temporarily, due to recent activity on a derogatory account. Therefore, if you've decided to get Prequalified now, don't push the creditor(s) to update the status on your report until after you've met with your Local Mortgage Banker. She might suggest leaving that alone if you are otherwise qualified for financing.
2. Avoid the pitfall that many potential home buyers make of paying to zero all credit accounts. Since you've been working so hard to rehab your credit, be sure to maintain balances on at least 2 to 3 of your open and active accounts, even if it's . Underwriters want to see you are not afraid to use your credit, plus maintaining balances (and paying on time monthly) will help to "naturally" improve your credit scores over time.
Web Reference: http://www.tcurranmortgage.com
0 votes • Thank • Flag • Link • Tue Nov 19, 2013