Don't let your credit score stop you from homeownership. Rose knows how to work with what you have.
Not every borrower has perfect credit — and not every loan requires it. Rose has worked with clients who have had bankruptcies, foreclosures, late payments, and low scores. In many cases, there are programs available that most people don't know exist.
Even if you're not ready to buy today, Rose can develop a credit improvement strategy so you're in the best possible position when the time comes.
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FHA loans allow credit scores as low as 580 with 3.5% down — or 500 with 10% down. Rose can assess whether you qualify.
FHA allows applications 2 years after discharge; conventional 4 years. Rose helps you plan ahead so you're ready when your waiting period ends.
If you're not quite ready, Rose will show you exactly what needs to improve and by how much to qualify for the loan you want.
Some lenders offer portfolio loans that don't conform to standard guidelines — these can be options for borrowers with recent credit events.
A larger down payment can sometimes compensate for a lower credit score, unlocking better programs and rates.
Rose meets every client where they are. She's helped borrowers in difficult situations find paths to homeownership that they thought were closed.
Contact Rose today for a free, no-obligation consultation.