Interest Rate Trends
Primary Mortgage Market Survey® data provided by Freddie Mac
What is a Mortgage?
A Mortgage is a loan used to purchase, refinance, or borrow against a home. There are "First Mortgages" and "Second Mortgages," the former designed to allow you to purchase the home or totally refinance the original loan; the latter, also known as a Home Equity Loan, allows you to use your available equity to take out a subordinate loan in addition to your First Mortgage. This section and the average rate chart refer only to First Mortgages.
How to Read the Average Rate Chart
Locking in your mortgage rate when rates are low, whether it's a fixed rate or an adjustable rate that won't adjust for a while, can mean a world of difference to your monthly payment. Even a quarter of a percent will most certainly be noticeable. So Credit Karma's Mortgage rate chart shows you the current rate trends for several different loans.
Are the rates lower now than they've been in a while? Maybe it's time to pull the trigger on that loan. Are they high and still climbing? Maybe you should wait it out for a while if possible. Of course, this chart is just one piece of the overall puzzle, and closing costs and other fees should definitely be taken into account as well.
If you are thinking of buying a home, use this chart as a point of reference, but make sure to talk to a qualified home loan consultant or agent about your options and the best time for you to buy.
Mortgage Features
These are the major factors taken into consideration, both by the prospective buyer and by the lender:
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Annual percentage rate
This is the rate at which your outstanding balance (the principal) will be charged on a yearly basis. The APR you qualify for will depend largely on your credit score, the issuer, and the going market rate for that type of loan. Mortgage rates are typically dependant on the U.S. Prime Rate, in turn dependant on the Federal Funds rate set by the Federal Reserve. The "T-bill" Treasury Index is also used.
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Fixed vs. adjustable (ARM) rates
A fixed-rate mortgage is one that will hold the same rate for the entire life of the loan, meaning your monthly payments will never change. An adjustable-rate mortgage, commonly referred to as an ARM, may start off with a fixed rate for a specified amount of time (one to five years is common) but will then adjust to the market index and continue to adjust on a regular schedule—either up or down. Often, the APR on an adjustable-rate mortgage will be as much as one to two percent lower than a fixed-rate mortgage of a similar term for the period in which the ARM is fixed. However, once the rate adjusts it will increase, sometimes drastically.
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Term
Fixed mortgage terms can go as high as 40 years but the most common loans are set for 30 and 15 years. Like auto loans, usually the shorter the term, the lower the rate. ARMs can follow the same length terms (though obviously the rate adjusts periodically) and both fixed and adjustable can be what's known as a "balloon," in which the payments and interest costs are calculated for the entire life of the loan but the principal is due in full at some point well before then. For example, a "40 due in 7" fixed-rate balloon would involve calculating the payments on a 40-year loan and that dictates your monthly payment for seven years. At the end of seven years, however, the entire remaining balance would be due, at which point most people simply refinance the entire amount into whatever mortgage option is best at the time.
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Loan to value & down payment
The loan to value is the size of the downpayment as a percentage of the entire amount of the loan. So a $100,000 down payment on a $500,000 loan, 20% of the total, would be expressed as "80% loan to value." The higher the loan to value number, the riskier the loan is considered by lenders and the higher your rate may be, or you may need to purchase Private Mortgage Insurance (PMI) until you reach a predetermined LTV.
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Prepayment
Different lenders have different rules about whether or not you are permitted to pay your loan off at a faster rate than set forth by the agreed upon term. Prepayment penalties are common but still may be less than the interest you would accrue by continue to pay the loan off at the current pace. Talk to your lender in advance about this issue if you think you might eventually want to pay off your loan early.
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Closing costs & other fees
Again, depending on the lender, your closing costs and fees may vary considerably. These are the costs of the loan and usually the fees are rolled into the loan total. This is why you'll often see a home loan "rate" and then the home loan "APR" and they will be different. The rate is the base rate without the closing costs and fees built in, the APR is everything bundled together, which is why it may be a bit higher.
Benefits
The biggest benefit of a mortgage loan? You get a place to call your own. No more renting and dealing with landlords; it's your place and you get to live exactly how you want to live.
From a financial standpoint, assuming the mortgage payments aren't completely tapping you out, you will also enjoy the tax benefits that come with owning a home. In most cases, the interest or possibly the entire monthly payment is deductible from your federal income tax. Do consult a tax professional for the precise details of your situation.
A home also means home equity, which can be used in the future to secure other loans—to help do repairs, remodel, landscape, even pay your child's college expenses. And if the housing market is flourishing, your investment may pay off big-time if the value of your home increases (as most will).
Considerations
As evidenced by the current "sub-prime mortgage crisis," not being able to pay your mortgage will eventually result in foreclosure, which is both disheartening and very detrimental to your credit score.
Be careful not to buy more house than you can afford, and be especially careful when it comes to Adjustable-rate loan options. The initial low rate may be tempting, but consider just how much your monthly payments could increase when the rate does finally adjust. Will you be able to swing it? You might be able to refinance at that time but if rates are high across the board that may not even prove to be a viable option.
Buying a home is a huge undertaking, and the rewards can be numerous and amazing, but take your time in reviewing your current financial situation before making the jump. Know all your options and pick the one that's best for you, now and in the future.
Where to go for a Mortgage
Shop around! Your local banks and credit unions will almost all have mortgage loans available and you may be surprised just how much the rates and associated costs and fees may differ. You can also do a fair amount of comparison shopping online—and even apply for a pre-approval online from certain lenders.
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24 People Helped
What are your thoughts on Experian Boost, to quickly increase your Credit Score?
FlagDancer's comment was:
Anonymous
IT's mostly worthless, since most financial institutions won't include the data that adds to the "boost". Also, most lenders average scores across all three bureaus, so even if they did count it, the 10-20 or so point "boost" won't really bring things up by much, if at all.
Random789644's reply was:

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Sc0tt65x's reply was:

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The only issue i had is the interest rate is high but remember they take a chance to give people with bad credit and credit history a chance. So can't expect a sweet deal from any company to take a big risk. Best to make it work to get back up and learn from your mistakes to not let it happen again. I would truly recommend this company if you need a loan contact:(Loan Lending 111 @ Gmail . Com)
ArthuroDreher01's reply was:

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Alison134's reply was:

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Alison134's reply was:

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Stephen10x's reply was:

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Stephen10x's reply was:

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Tif09's reply was:

The aftermath of my encounter with Lcose is one that can't be forgotten in a rush. I was approved for an auto finance but with high interest because of my low credit score coupled with some hard inquiries and late payments. Lcose9703 came in for me and raised my score to 820, removed the hard inquiries and late payments on my credit report and leaving me with a better chance of getting same auto loan with lower interest. I feel so happy right now. Needing a permanent fix? Feel good to reach out to him on: Lcose9703 @ gmail . com
Tif09's reply was:

56 People Helped
How do you know, exactly, if your mortgage servicer is on-the-Level, in other words, taking out the right amount for Escrow for Property Taxes, and paying all of it from the Escrow. We have Wells Fargo, and, After all the numerous fraud they're Engaged in, over the last couple of decades, I'm not so sure I entirely trust them any more.
They seem to have a "just Trust us" attitude. But after I've heard of all the Horror Stories of thousands of vets/troops coming home to find their Car illegally repossesed by Wells Fargo, or the numerous Fake accounts set up by them, under Peoples' names, without their Permission, or, any number of Other Public Scandals with them, I can't even keep track of them, any more. it's increasingly harder-and-harder to trust them, and "just trust us"
CaliforniaEsquire's comment was:
Anonymous
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CKBugBounty123's reply was:

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ArthuroDreher01's reply was:

I needed to buy a home and a new car but I got denied when I tried getting a loan because I had a low credit score and some negative items. A colleague introduced me to a credit repair expertise (fix my credit @ WriteMe dot Com). I hired them for a credit repair process. They removed all negative items and raised my score from 587 to 789 in a couple of days. I got the house and the car in 3 weeks and all thanks to them. You can contact them with the above mail address for credit repair help.
Quin4253's reply was:

I was able to recover my funds from a very sketchy credit repair company, Just last month a friend and I invested all our life savings in fixing our credit but got duped in the process. This June, we were able to use the services of ''JimFundsRecovery AT Consultant DOT Com'' and we have gotten all our money back. My nightmare is over, It's a whole new day here. Do be careful when dealing with these companies
RobinsonC1's reply was:

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Tif09's reply was:

The aftermath of my encounter with Lcose is one that can't be forgotten in a rush. I was approved for an auto finance but with high interest because of my low credit score coupled with some hard inquiries and late payments. Lcose9703 came in for me and raised my score to 820, removed the hard inquiries and late payments on my credit report and leaving me with a better chance of getting same auto loan with lower interest. I feel so happy right now. Needing a permanent fix? Feel good to reach out to him on: Lcose9703 @ gmail . com
Tif09's reply was:

The aftermath of my encounter with Lcose is one that can't be forgotten in a rush. I was approved for an auto finance but with high interest because of my low credit score coupled with some hard inquiries and late payments. Lcose9703 came in for me and raised my score to 820, removed the hard inquiries and late payments on my credit report and leaving me with a better chance of getting same auto loan with lower interest. I feel so happy right now. Needing a permanent fix? Feel good to reach out to him on: Lcose9703 @ gmail . com
Tif09's reply was:

The aftermath of my encounter with Lcose is one that can't be forgotten in a rush. I was approved for an auto finance but with high interest because of my low credit score coupled with some hard inquiries and late payments. Lcose9703 came in for me and raised my score to 820, removed the hard inquiries and late payments on my credit report and leaving me with a better chance of getting same auto loan with lower interest. I feel so happy right now. Needing a permanent fix? Feel good to reach out to him on: Lcose9703 @ gmail . com
Tif09's reply was:

The aftermath of my encounter with Lcose is one that can't be forgotten in a rush. I was approved for an auto finance but with high interest because of my low credit score coupled with some hard inquiries and late payments. Lcose9703 came in for me and raised my score to 820, removed the hard inquiries and late payments on my credit report and leaving me with a better chance of getting same auto loan with lower interest. I feel so happy right now. Needing a permanent fix? Feel good to reach out to him on: Lcose9703 @ gmail . com
Tif09's reply was:

182 People Helped
I have a score of 601 and my boyfriend/fiance has a score of 630. We want to purchase a house at the total cost of $50K. Is that at all possible???
Robynlhiggins's comment was:
Anonymous
Enter Your Reply most lenders wont go under 75 k but yes you can
bill15120's reply was:

One trick to get around bill15120's problem of lenders not wanting to go below a certain range is to get pre-approved for a larger number. Keep in mind that pre-approval is non-binding in any way, but most mortgage companies will work with you even if you get approved for a 90k loan and want to but something that's actually 45k.
Be prepared to pay a higher interest rate than what's advertised, as the rates advertised are for people with perfect (or near perfect) credit. Don't worry though, mortgage rates are very reasonable right now, and building equity is better than padding your landlord's net worth (take it from a landlord). One other thing to know about is that mortgage companies look at the age of your credit history with a little more weight when making their decision. If you ran a business would you trust a stranger by loaning them $50,000 of your customers money, to be repaid over 30 years, if they only had 3 months of credit history? Probably not. Definitely make sure you have some history to get a better rate.
Hope this helps.
elrodd84's reply was:

Yes, even though your score isn't very high, by putting down a higher deposit, it shows that you are a sincere buyer, and for the right reason a home. Check with a loan agent to find out how much of a deposit you will need to purchase your 50k home.
Usually when purchasing a home the bank asks for a 20% deposit, in your case 10k. You need to show the ability to pay the debt, and still have adaquate amount of cash in the bank. Escrow fees are not cheap, and you may need to get your home inspected before the escrow closes, so you know what condition it's really in. This can cost around $250
You also have to think about the whole picture when buying a home, and that is moving. After I bought my 75k home, and had it inspected, and all of the escrow fees and deposits, I needed help moving 60+ miles each way, and after paying the moving people, I was almost broke.
With a new adress it may be harder getting new credit cards, so FYI be sure to figure all of your expenses before making a deposit on your home, I found out the hard way and I thought I'd still have plenty of money left too. I hope this has helped you and others before thinking about purchasing a home.
scalos926's reply was:

I am quite sure the minimum score for FHA is 580. I have been working with The Lenders Network for 2 years now and I send my clients to them to get approved. They have lots of lenders that work with low credit scores..
BeverlyHillsagentASAP's reply was:

Enter Your Reply yes it is i just bought a home my score was in the high 500s. my home was 59000 and it went threw. i had a couple of hospital bills i had to pay off. i paid them off and the loan went threw.i went threw regions bank and they help me thew it all.
COUPONKING00's reply was:

Enter Your Reply yes it is i just bought a home for 59000 and my score is low like that
COUPONKING00's reply was:

I'm a Realtor, the lowest score I've seen approved is 640, but thats with no surprises at the closing
Michael8464's reply was:

Enter I'm pretty sure that it's possible, but what can you get know a days for $50,000. Maybe a Condo, but that's like Apartment living.
In all reality, I think that it will depend on Your Debt to Income Ratio and Your Credit Report . You can't have any late payments or a Bankruptcy on Your Credit Report for, I think 1 whole year.
DILABAR's reply was:

I'm curious what state you are from. You may qualify for a Rural Development Loan, which is a government loan. They allow for loans that are in certain areas if your credit score is above 600. The lowest borrowers score is whats important...so your score will determine qualification. Use this link to see if your eligible in your state: http://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do?pageAction=sfp
mavrick1989's reply was:

It would depend how much money you have coming in and how much is already going out in other responsibilities.
CashFabtastic's reply was:

Hold up. If you buy a home jointly and you are not married, when it comes time to sell how much does each partner own?
drewzz's reply was:

Before you worry about your credit score, make sure your DTI (Debt To Income) ratio is in line. It will save you time and trouble. Quicken Loans for example, if your score is not above 620 they make you work w/ their in house credit team. Its a waste of time, lets say both scores need to be above 620, or maybe you have a slight hiccup when it was time to pull your credit. There is no need to wait 90days, if you have too much debt. Long story short, regardless of your credit being accepted, if its rejected Please make sure to have the underwriter/loan processor evaluate your Debt to Income ratio. It will be pointless to raise your credit score up, then turn around re-apply to have them tell you, your debt ratios are too high. They can tell you this up front, and easily calculate it.
I went through w/ QL in Feb, waited til April to have my credit repulled after I got it up. Only to have them tell me in less than 24hrs my debt ratios were too high, the same debt that was on the credit report initially. I was furious
Addsptstocredit's reply was:

Enter Your Reply
awdawdw's reply was:

Enter Your Reply
minakasia's reply was:

Enter Your Replyqqqq>>>>>
minakasia's reply was:

oh that is definitely possible. my credit score is lower than yours and i can get a 50000 loan. go for it and good luck
FTDSalways's reply was:

I have been on the search for credit score repair for the past 1 month and I have been making sure I do not hire the wrong the hackers to work on my score . I was running on 430s. Applying for loan was not an option for me because I was already denied twice . I finally got break through a forum where you can find tons of hacker listing their services. I ended up hiring wgary2697@ G M A I L DOT com because they had 87% review. I advice you make enough research before hiring a hacker so you wont fall with the fake hackers . FYI always make sure you pay with bitcoin to avoid a trail back .
debra196600's reply was:

At a credit score 520-540 and struggling to improve beyond that. Loan Lending gave me a chance to recover and rely on paying off one bill. With a 10k loan more than needed to pay my bills and have as an emergency. I was able to feel alive and happy again. The application process was simple, direct, informative and quick. Took 24 hours to let me know if I was approved or not and whatever details I needed to know. Received an email saying I was approved and welcome package. The next day the money was in my account the third day and all my debts paid. Truly grateful for Loan Lending giving me the opportunity to recover from debt and restart my life knowing how to handle my life better with all the turbulence I've gone through just needing a miracle. Thank you so much Loan Lending!
The only issue i had is the interest rate is high but remember they take a chance to give people with bad credit and credit history a chance. So can't expect a sweet deal from any company to take a big risk. Best to make it work to get back up and learn from your mistakes to not let it happen again. I would truly recommend this company if you need a loan contact:(Loan Lending 111 @ Gmail . Com)
ArthuroDreher01's reply was:

My scores were very low on the 3 credit bureaus, the files contained inquiries, eviction, medical bills and have no real trade lines. I needed capital for a business opportunity I had therefore I needed to fix my credit and I needed it real quick. I was introduced to fixmycredit for help and what appealed to me was the fact that they do the job first and then get paid and that was true in my case as well. I was ripped off 3 times by fake credit repair imposters but (f i x m y c r e d i t @ writeme . c o m) helped me. They deleted the eviction, inquiries and other bad items preventing me from being qualified for the loan. all thanks to them.
Eri3a192's reply was:

I used this very honest man who helped me fixed my credit in a short period of time.. He's email address is Lcose9703 at g amil dot com
Tif09's reply was:

I used this very honest man who helped me fixed my credit in a short period of time.. He's email address is Lcose9703 at g amil dot com
Tif09's reply was:

The aftermath of my encounter with Lcose is one that can't be forgotten in a rush. I was approved for an auto finance but with high interest because of my low credit score coupled with some hard inquiries and late payments. Lcose9703 came in for me and raised my score to 820, removed the hard inquiries and late payments on my credit report and leaving me with a better chance of getting same auto loan with lower interest. I feel so happy right now. Needing a permanent fix? Feel good to reach out to him on: Lcose9703 @ gmail . com
Tif09's reply was:

The aftermath of my encounter with Lcose is one that can't be forgotten in a rush. I was approved for an auto finance but with high interest because of my low credit score coupled with some hard inquiries and late payments. Lcose9703 came in for me and raised my score to 820, removed the hard inquiries and late payments on my credit report and leaving me with a better chance of getting same auto loan with lower interest. I feel so happy right now. Needing a permanent fix? Feel good to reach out to him on: Lcose9703 @ gmail . com
Tif09's reply was:

17 People Helped
I have a new credit card account that hasn't showed up yet how do I get the site to fix this? It's been a month already
carlos663's comment was:
Anonymous
Usually you will not see the information until it hits the big three FICOs and then sometimes it takes a month from that point. Approximately ~30 days after your first bill, all together it should reflect within two months for a newly opened CC account. You should've seen a Hard Inquiry for this CC account though.
Jon855's reply was:

Enter Your Reply
awdawdw's reply was:

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awdawdw's reply was:

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munster88's reply was:

I’m writing this review to show my gratitude to the service I received from credit repair desk. They helped me fixed my credit score from 582 to 780 in 12 days. Thank you for removing negative items from my report and also paying up my debts. I appreciate your sincerity and commitment during the process. I believe your excellent will definitely speak for you. treatyourself016 @ g m a i l . c o m
debra196600's reply was:

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Elvisnelson1616's reply was:

I still can’t believe I have a credit score of 788, I check it almost everyday just to make sure it’s real. Just last month I was on the verge of losing my house, my car, business was not going well, I was in serious debt until i came in contact with (efficientnethack AT gmail DOT com) on credit karma, I reached out to them. They improved my credit score to 788 within 8 business days. I retained my home and my car, God bless them. You can reach out to them if you need the same help.
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The aftermath of my encounter with Lcose is one that can't be forgotten in a rush. I was approved for an auto finance but with high interest because of my low credit score coupled with some hard inquiries and late payments. Lcose9703 came in for me and raised my score to 820, removed the hard inquiries and late payments on my credit report and leaving me with a better chance of getting same auto loan with lower interest. I feel so happy right now. Needing a permanent fix? Feel good to reach out to him on: Lcose9703 @ gmail . com
Tif09's reply was:

I used this very honest man who helped me fixed my credit in a short period of time.. He's email address is Lcose9703 @ gmai il. co m
GlenAtaisz's reply was:

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GlenAtaisz's reply was:

71 People Helped
Obama has put forth the HARP program to help most people refinance thier FHA Loans. What "programs" exist to help me with my Rural FDA Loan ?
Thanks in advance
Eric the Angry.
ezack36's comment was:
Anonymous
USDA LoanEnter Your Reply
ibjpn1's reply was:

Enter Your Replycorrect me if I'm wrong, but I see HARP as just another government SCAM! We have to pay a lawyer just to qualify
and handle paperwork which this stupid government should do if HARP is really going to help anyone and what happens if we
decide to sell in 5-6 yrs?? Either we have to pay back the loan or the BUCK GETS PASSED to the next owner which is not fair
either! Just another government scam!
myhome1760's reply was:

Harp program is real. You need to call the bank that owns your mortgage and ask to apply. Its an excellent program. You don't need a lawyer.
Usually you will end up with 2 offers. One from the Harp program and another from your lender.
cybertim7's reply was:

Enter Your Reply
josolong's reply was:

Enter Your Reply
minakasia's reply was:

I had a lot of collections on my credit, a repossession and an eviction. I needed to buy a house in about 2-3 months so I could leave my ex husband’s home. I needed to get my credit cleared up ASAP and FixMyCredit came highly recommended in a post I read on reddit so I contacted him ( Fix My Credit @ W r i t e m e . Com). Within a few days, he removed eviction, cleared up all collections and raised my score from 560 to 789. I got a house after 2 weeks and left my ex husband's home. You can reach out to him on the above email for your credit repair help
ladybug1107's reply was:

I still can’t believe I have a credit score of 788, I check it almost everyday just to make sure it’s real. Just last month I was on the verge of losing my house, my car, business was not going well, I was in serious debt until i came in contact with (efficientnethack AT gmail DOT com) on credit karma, I reached out to them. They improved my credit score to 788 within 8 business days. I retained my home and my car, God bless them. You can reach out to them if you need the same help.
Laladavinci's reply was:

I used this very honest man who helped me fixed my credit in a short period of time.. He's email address is Lcose9703 at g amil dot com
Tif09's reply was:

The aftermath of my encounter with Lcose is one that can't be forgotten in a rush. I was approved for an auto finance but with high interest because of my low credit score coupled with some hard inquiries and late payments. Lcose9703 came in for me and raised my score to 820, removed the hard inquiries and late payments on my credit report and leaving me with a better chance of getting same auto loan with lower interest. I feel so happy right now. Needing a permanent fix? Feel good to reach out to him on: Lcose9703 @ gmail . com
Tif09's reply was:

110 People Helped
With a credit score of 695 what interest rate can i get on a fixed rate home loan for 30 years?
xbarberette's comment was:
Anonymous
I have been on the search for credit score repair for the past 1 month and I have been making sure I do not hire the wrong the hackers to work on my score . I was running on 430s. Applying for loan was not an option for me because I was already denied twice . I finally got break through a forum where you can find tons of hacker listing their services. I ended up hiring wgary2697@ G M A I L DOT com because they had 87% review. I advice you make enough research before hiring a hacker so you wont fall with the fake hackers . FYI always make sure you pay with bitcoin to avoid a trail back .
debra196600's reply was:

64 People Helped
i have a question when you check our credit on here which score is correct to buy a house?
Tonjerrika's comment was:
Anonymous
none of the scores on credit karma will help you in buying a house. U need to go to myfico.com and pull your 3 fico scores for experian, equifax, and transunion. Those are your true credit scores and what mortagage lenders use to determine if your qualify for a home loan.
cmar1688's reply was:

Enter Your ReplyThere is a separate score just for a mortgage on myfico.com for this. I believe they stil use 04.
Floridabiker777's reply was:

None really. These scores are really more for cars and credit cards and such.
boom6159's reply was:

the take middle number out of the 3
amber095's reply was:

76 People Helped
I was wondering, IF I want a house total of nearly $350K, with $50K down payment cash, (IF that qualifies), What would be the estimate amount of $$ mortgage loan and what rate percentage will I be more likely to qualify for, and with the credit scores below...
Credit Score:
1. TransRisk Credit Score 736
2. Auto Insurance Score 810
3. VantageScore 745
Thank you.
lbabyy1's comment was:
Anonymous
Depends on type of loan, Conventional/FHA, 30/20/15yr, 10/7/5 ARM? Which one is it?
varunpai12's reply was:

I have never bought a house that the payment was more than 28% of monthly income. I've seen too many people risk too much money thinking they are buying a dream.
cmc304's reply was:

Try Bankrate Mortgage Calculator, a free app for IOS and Android.
There is also a website
mayk3lgv's reply was:

You can use a mortgage loan calculator to figure out the answers to your questions. Just google the calculator some provided on line will even assist you in estimating the tax and insurance costs into your payment, don't forget about those.
boom6159's reply was:

You could go to Bankrate and run yourself a "How Much House Can I Afford" - http://www.bankrate.com/calculators/mortgages/new-house-calculator.aspx
And then after you have the numbers, you could compare your supposedly rates for a Mortgage by going here - http://www.bankrate.com/funnel/mortgages/ (Make sure you click on 'mortgage' because it defaults to refiance)
Jon855's reply was:

I used this very honest man who helped me fixed my credit in a short period of time.. He's email address is Lcose9703@gmaildotcom
GlenAtaisz's reply was:

89 People Helped
What is the minimum credit score needed to purchase a home?
grae0207's comment was:
Anonymous
I was told today that its 640, that's in Mass. anyways.
BostonKing's reply was:

Theorheticly it is supposed to be 620 but almost nobody gets a loan until 640
Brewdawgz's reply was:

There is one exception. If you are a military member and finance with a VA loan you don't need to worry about your credit score.
640 is usually a good start though. 720 is ideal
himbaer2's reply was:

Enter Your Reply
sugarqueen's reply was:

Enter Your Reply 580 will get you a home cityworth and carrington are 2 of them i know that can go that low on fha we just got are lone with city worth
bill15120's reply was:

my friends a banker, and yes 640 is bottom line score normally and thats not gaurenteed..but there are some comoanys that have giving home loans to people in the high 500' range..but if you go in with at least a 680 you can be safer, then above 720 you will look good...the higher your score the better as always..credit history is a factor to.
eastcoastman73's reply was:

640 is a must to get a home and I know the VA told me that no derogatory remarks on any account for at least the last 24 months. Most mortgage brokers would prefer a score over 700.
chickiesand's reply was:

My scores were very low on the 3 credit bureaus, the files contained inquiries, eviction, medical bills and have no real trade lines. I needed capital for a business opportunity I had therefore I needed to fix my credit and I needed it real quick. I was introduced to fixmycredit for help and what appealed to me was the fact that they do the job first and then get paid and that was true in my case as well. I was ripped off 3 times by fake credit repair imposters but (f i x m y c r e d i t @ writeme . c o m) helped me. They deleted the eviction, inquiries and other bad items preventing me from being qualified for the loan. all thanks to them.
Eri3a192's reply was:

The aftermath of my encounter with Lcose is one that can't be forgotten in a rush. I was approved for an auto finance but with high interest because of my low credit score coupled with some hard inquiries and late payments. Lcose9703 came in for me and raised my score to 820, removed the hard inquiries and late payments on my credit report and leaving me with a better chance of getting same auto loan with lower interest. I feel so happy right now. Needing a permanent fix? Feel good to reach out to him on: Lcose9703 @ gmail . com
Tif09's reply was:

The aftermath of my encounter with Lcose is one that can't be forgotten in a rush. I was approved for an auto finance but with high interest because of my low credit score coupled with some hard inquiries and late payments. Lcose9703 came in for me and raised my score to 820, removed the hard inquiries and late payments on my credit report and leaving me with a better chance of getting same auto loan with lower interest. I feel so happy right now. Needing a permanent fix? Feel good to reach out to him on: Lcose9703 @ gmail . com
Tif09's reply was:

I can proudly tell everyone who needs to fix theuir score to use this wonderful and amazing guy who helped me few weeks ago.. He's email address is LCOSE9703@gmaildotcom
GlenAtaisz's reply was:

10 People Helped
I have been through a divorceover 6 yrs. How do i get the home we shared out of my name when the court have ordered the home to the plainiff?
hr1272's comment was:
Anonymous
The plaintiff would have to refinance.
DarolG's reply was:

you need a lawyer to draw up papers removeing your name if morgage is in your name other person will have to refinance the morgage.
butterfly7367's reply was:

When I divorced my attorney had everything ready to be handled at the time of divorce would be granted. Saved on filing fees for public records.
Your divorce decree states that the home went to the plaintiff. Should a problem arise in the future a copy of that decree should be good enough to prove you're not responsible. I wouldn't hire an attorney to remove the name unless it is absolutely necessary.
cmc304's reply was:

I work for a bank and believe me, banks do not care one bit about divorce decrees. The loan is in both of your names so both of you will be affected credit-wise. Both of you would be collected on if the plaintiff were to be delinquent. The ONLY way to be removed is for whomever the home was awarded to in the divorce to refinance. Banks are not going to just remove a responsible party from the obligation. Het a court order if you have to to compel them to refi. I've seen many customers credit ruined because the spouse awarded the home suddenly stopped paying for whatever reason and the other party has no idea until the collection calls start rolling in.
jditts's reply was:

And if anyone says a quit-claim deed would suffice, they are wrong. Filing a quit claim deed simply removes you from the deed. Meaning you are no longer an interested party in the property itself but that is separate from the mortgage and promissory note you both signed.
You could file bankruptcy if they will not refi. MAJOR credit hit but you will no longer be responsible for the loan anymore. And you can stay on title that way so if they do sell the property, you're still entitled to half the proceeds. Dont do the qc deed if you file bk.
jditts's reply was:

Look into getting a Quit Claim Deed. Discuss it w/ an attorney
Addsptstocredit's reply was:

I have been on the search for credit score repair for the past 1 month and I have been making sure I do not hire the wrong the hackers to work on my score . I was running on 430s. Applying for loan was not an option for me because I was already denied twice . I finally got break through a forum where you can find tons of hacker listing their services. I ended up hiring wgary2697@ G M A I L DOT com because they had 87% review. I advice you make enough research before hiring a hacker so you wont fall with the fake hackers . FYI always make sure you pay with bitcoin to avoid a trail back .
debra196600's reply was:

Get your credit cleaned with the help of a reliable personnel Fico and Ex Transunion agent! He's tested and trusted. I had a very low credit score (around 520) and it was ruining my life. I needed help. I was very depressed because of it and had been trying to repair it but It just seems nothing was capable of getting my score raised quickly. I needed something done fast. I had read a lot of good things about this hacker online which gave me a go ahead to try him out. I almost gave up my search for a real agent because I kept meeting fake people who are not capable enough and who are always after the money, I've been conned by them. this programmer is not about the money but about attaining a good reputation at always satisfying his customers. My credit score is now 780, 790 and 820 on all big 3 bureaus and it was 100% confirmed by FICO. He requires half payment upfront and the remains when he is completely done and you have confirmed all the 3 bureaus and FICO. This is my way of showing appreciation for a job well done on my credit report. Reach out to him for help at eminentprominentcredit AT G M A I L He’s affordable and always at your service.
Alison134's reply was:

The aftermath of my encounter with Lcose is one that can't be forgotten in a rush. I was approved for an auto finance but with high interest because of my low credit score coupled with some hard inquiries and late payments. Lcose9703 at gmail dot com came in for me and raised my score to 820, removed the hard inquiries and late payments on my credit report and leaving me with a better chance of getting same auto loan with lower interest. I feel so happy right now. Needing a permanent fix? Feel good to reach out to him via email: Lcose9703 at gmail . com
GlenAtaisz's reply was:

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