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Should I wait to increase my credit score before buying a house?

Asked By Gloria R. | Middleburg, FL | 704 views | Buying | 3 years ago
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Semi-Pro
60 Answers
Steven Hunt

Real Broker NY LLC

(40)

Gloria, there are many factors when it comes to if ou should wait or not. Rates change all day and prices fluctuate as well. Personally, I would buy asap if I wanted to buy a home. Reach out to a Loan Originator and find out if you qualify. If not then you will have to work on your credit. Credit Karma helps give you an idea of where your score is. I have seen buyers with 580 middle credit get loans. If you need some Mortgage Loan Originator contacts and Real Estate Agents I can help you out with that, 518-526-4964
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Rising Star
16 Answers
Rob Cerveny

Berkshire Hathaway Home Services

(44)

maybe! get your self committed to a lender and they can help you!

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Novice
5 Answers
Ginger Gendron

BHHS Verani

(53)

Hi Gloria, Do you happen to know what your credit score is? I find that when clients talk to a Mortgage Broker, they can help get you on the right path! Increasing your credit score is always a great idea, but you might be surprised what you can already qualify for. Rates are great, call her Broker and check it out. Good Luck - you got this!
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Novice
3 Answers
Nena Von

CENTURY 21 Lighthouse Realty

Hi Gloria, I am a realtor for all of Clay, Duval and St Johns, etc.. The answer, I would need more information, to suggest what to do. There is a minimum CR score, in many cases we can work with that. Currently we can offer first time home buyers and downpayment assistance incentives. I can connect you with specialty mortgage brokers and I will get you to homeownership fast. Nena Century 21 cell 571.723.6690
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Novice
2 Answers
Erica Ferrell

Properties By Me

Hello Gloria, please note that increasing your credit score is best. Normally 640 is needed for the best outcome when shopping for the perfect mortgage. Also not that lowering your debt as much as possible is equally ideal. It would also help tremendously if you took a 1st time home buyers class/workshop. Hope this helps and Best Wishes.

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