"Credit is a range, not a wall. Most buyers don't realize there are 5 rate tiers above 'bad credit' — FHA, conventional, and some portfolio lenders have programs for scores 620-700 that most applicants qualify for without knowing to ask. Let's pull your actual report and see where you land."
"Fair — if your credit has some work to do, that's something we can fix before you apply. The question is whether it's a 3-month delay or a 2-year delay. Most credit issues people worry about are fixable in under 6 months with the right plan. Would you like a free consultation with a lender who can map out your path?"
"What's the story behind the credit score — is it medical debt, a missed payment 3 years ago, or something ongoing? The diagnosis changes the prescription. We can be more targeted if we know what we're working with."
| Down pmt | Amount | Monthly |
|---|