Credit Repair Houston: Do You Need A Down Payment On A Home?
Credit repair Houston expert, Vanessa Perry the different loan types and down payment requirements when purchasing a home. With 15+ years of experience in the credit industry and prior to being a credit specialist she was a loan officer for years as well. Check out the latest Ask Impeccable episode below for all the details when it comes to purchasing a home and the down payment.
Loan Types
Depending on the loan that you qualify for depends on your down payment if needed. There are various loan variations and each is slightly different. Below are the different loan variations when buying a home.
-USDA loan:No Down Payment Required
-VA loan: No Down Payment Required
-FHA loan:640 credit score requirement, 3.5% Down Payment + Private Mortgage Insurance
-80% Loan To Value: 680 Credit Score Required, 20% Down Payment with 80% Financing Private Mortgage Insurance is NOT required, Best Interest Rate Available
Houston Credit Repair
If your credit score does not meet the score requirements it is best to work on your credit prior to buying a home. With a higher credit score you will receive a lower rate along with benefits of qualifying for a better loan. First make sure to speak to a loan officer before going to a Realtor to make sure you qualify. If you do not qualify, or your credit is not where it needs to be contact Impeccable Credit Services. Every case is different. However, we treat all of our clients as if they are buying a home to insure that they get the best rates and meet their goals in addition to educating them through the process.
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If you have any questions regarding your loan or credit feel free to give us a call or schedule an appointment 713-378-1500.
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