I need a list of lenders that will loan a home mortgage to someone with a credit score between 545 and 550?

Deal Score0

I make 48k per year. Circumstances that have led to bad credit rating are a 60 day late car payment that occurred two months ago. The car has since been paid off. Credit cards are close to the max but always paid on time. Please only respond with a list of possible lenders thankyou.

7 Comments
  1. Reply
    mohan r
    January 29, 2011 at 9:57 am

    Search in local newspaper ad for those

  2. Reply
    Juliu C
    January 29, 2011 at 10:03 am

    lendingtree.com!!!!!!!!!!!!!!!

  3. Reply
    STEVEN F
    January 29, 2011 at 10:18 am

    Look for lenders that do “manual underwriting”. That is what EVERYONE did before FICO. It refers to actually looking at you finances instead of just your FICO score. Churchill Mortgage in TN is one lender that still offers manual underwriting.

  4. Reply
    iceman
    January 29, 2011 at 10:38 am

    Wow -you are just asking to get taken advantage of.. arnt you?

  5. Reply
    Sharonda F
    January 29, 2011 at 10:44 am

    I believe the answer you’re looking for can be found on this site. They’ve got lots of info about the subject.

  6. Reply
    stephen l
    January 29, 2011 at 10:49 am

    Hometown Banc Corp ; check out their free evaluation form at the source website.

  7. Reply
    honestmortgageguy24
    January 29, 2011 at 11:04 am

    Don’t use lending tree unless you want 12 phone calls. The list of lenders isn’t possible without more specifics, which I could discuss with you if need be. DO NOT wait too long. Your situation can be resolved with letters of explanation assuming some other criteria is in line. Your credit score is less important than you may think

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