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Discussion in 'Credit Talk' started by k, Mar 16, 2001.
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I doubt it.. I think you'll be hard pressed to find someone who will finance you with 10%... But if you have extenuating circumstances, you may be able to explain your situation sufficiently to get a lower down payment..
If you score is 640, then yes you can get a loan with 3% down, but you would have to go through an FHA mortgage.
r u sure? ive read where if you at least have a 620, you can get 5 percent down loan.
thanks momo. though i dont think i can get the house i want with an fha because of the loan limit ofthe county i live in
Yes K FHA is a little more relaxed about your FICO score, my friends received a FHA loan with 3% down, 7.85% last year with FICO scoring of 620, but conventional loans look at and bas their finding heavily on your scores and credit history. FHA wants to see a 24 month clean payment record, conventional will dig deeper than that.
I had a score of 644, and I had no problem qualifying for a conventional loan with only 3% down. I went through a couple of places, two mortgage brokers and my credit union.
I ended up going through my credit union because the closing costs were a lot lower.
wow, thats great to know you can get 3 percent down without needing a 720 fico. thanks
I also was able to get a 3% sellers concession, so that covered my 3% down.