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Is 550 credit score enough for a loan?

i work hard and have steady job 4 years. but had a rough patch where i got a lot of debt. i want to buy a small house, but need a loan. i need wait for a better credit?

9 Answers

How do I know if it's the right time to downsize and sell our family home?

Our youngest child just graduated from college and moved out of state, leaving my spouse and me in a four-bedroom house. The maintenance and yard work are starting to feel a bit overwhelming, but we are deeply attached to the neighborhood. We are trying to figure out the right timeline for selling and finding a smaller condo nearby. Should we sell while the house is still in great shape, or wait a few more years until we actually retire?

16 Answers

agent keep telling me to drop price

My house been on market 3 week. My agent call me every day say 'drop price 20k.' I think he just not working hard to find buyer. Is 3 week too long to wait before changing price?

12 Answers

I don't want to rent anymore

How do I buy a home? How much money do I really need because I am so sick of having a landlord and making monthly payments to her. I want to own something but I don't have anything saved.

17 Answers

How do I say I don't want my sister in law as my realtor?

We're planning on selling our house soon. My sister-in-law just got her real estate license and wants to sell our house. I don't really want to use her cause she's brand new, but I don't want to make dinners awkward. How do I tell her no without starting a family fight?

20 Answers

How do I report an all cash buyer to fincen without killing the deal?

I am selling my house to an llc for cash and my title agent says we have to file extra paperwork with the government because of new anti money laundering rules starting in march 2026. The buyer is getting annoyed about all the personal info they have to give. Has anyone had a cash deal fall through because the buyer didn't want to be reported?

12 Answers

Can I sue an ai chatbot if it gave me wrong advice about a mortgage?

I used an online ai tool to help me understand my loan terms and it told me I wouldn't have a prepayment penalty but now my actual contract says I do. since I relied on that info to pick the lender do I have any way to hold the company responsible for the badadvice?

12 Answers

New construction mistakes to look for?

What mistakes should I look for when buying new construction? I know new doesn't mean perfect and I've watched some horror stories on Instagram about new builds being terrible. I don't want to be one of those stories. What mistakes should I look for with new construction?

16 Answers

Can I fire my listing agent if we’re already under contract

My agent has been a nightmare, slow communication and they missed a deadline in the escrow instructions. We are mid-deal. Can I switch agents now, or am I stuck with them until closing? I don't want them getting a full commission for work I feel like I'm doing myself.

18 Answers

My agent wants me to sign a commission agreement before listing—do i have to?

It’s 2026, and I thought the whole "seller pays 6%" thing was dead. My agent is asking me to commit to a specific buyer agency compensation in the listing contract to "ensure maximum exposure". Is this legal, or is this an old way of doing things that I don't have to do anymore?

24 Answers