Bad Credit Mortgage Lender

[homeloanexpert]

Many of us lenders go down to 500 for FHA and VA. Let me know if you have any questions.

[Anonymous]

I am currently in Wisconsin and have been trying to pre qualify for a morgage loan with no luck. Cleaned up my reports to where there is only one collection (transunion I believe has none) my student loan which is under $4,000 my 3 credit cards that I have only had for 6 months or less all paid on time and in full every month yet I am having a hard time getting my middle morgage fico score over 588. I am in need to move asap and can not find one lender who does not require a mid score of 620 or higher.

[Anonymous]

I’m also looking for the name of your lender. Could you DM me it?

[Reazon]

Which 3 scores are used for the middle score that lenders use? Is it the FICO 8, or FICO 2 scores?
Thanks

[Anonymous]

What mortgage company do you work for?

[Anonymous]

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@Anonymous wrote:
What mortgage company do you work for?

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There are a couple out there. Our real estate firm gets e mail from several all the time. I think you can probably just google and find them 

[homeloanexpert]

It's never too late to  negotiate your rate. My company has a float down policy that whenever the credit changes for the better, we reprice the loan and offer the borrower either a lower rate or a higher lender credit. But that decision is always the borrowers, not the lender or LOs. You can request the pricing sheet so you can see for yourself what your options are.

[Anonymous]

Can you tell me what company you work for? I’m just trying to gather some resources. Maybe I’m googling the wrong thing.

[Anonymous]

@anaki92, who was your lender?

[CreditInspired]

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@Anonymous wrote:
@anaki92, who was your lender?

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Hi and welcome to MyFICO

The last time anaki92 posted was more than 2 years ago (October 2017). I suggest creating a new post with your specific question. Someone on the forum will respond.