Credit Scores Under 620 Points

If your credit score is below 600 points, regardless of how much equity you have in your home, you will probably be working with an FHA loan program. This program is not interested in your credit score and oftentimes can approve a loan for you. However, they will insist that you have not been late  on your mortgage payment in the past year.

If you can show a steady source of income that meets all of the loan specifications (see income information for more details on this issue) you should be able to qualify for a mortgage refinance.

However, if your scores are below 600 points then your chances of getting a loan approval are limited. But, there are many things you can do to greatly improve your FICO score.

As a Santa Clarita home loans lender, we offer mortgage solutions for every situation. If you are looking for a new home loan Santa Clarita, or even a refinance Santa Clarita or other city, we are here to help.

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