500-640 Credit Score? Here's How To Get A Mortgage Approval

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0:00 3 part plan
0:40 1. Pick Your Timeline
1:29 Under the Core Problems
2:51 Minimum scores
4:44 Credit score is HALF the story
5:48 FHA waiting periods
6:49 2 types of underwriting
10:03 FHA compensating factors
13:35 3. Start Taking Action
17:12 Tracking your score
17:50 Recommended lenders
LEGAL:
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Credible pays Win The House You Love an advertising fee when you submit a pre-qualification request.
Kyle Seagraves
NMLS# 1701021
Motto Mortgage Alliance
8900 N. Dixie Dr.
Dayton, OH 45414
Equal Housing Opportunity

[@trevorramos8616]

Every time I listen to this guy, I think “everything is going to be okay”. And then I go into the real world where everyone tells you if you don’t have over a 700 credit score, bother applying for anything.

[@REI-20244]

Maybe finding a lender that’s willing to work with you. Often, people want to work with loans that are easy. Don’t give up, keep searching for the right person. I’m doing that now.

[@furbabieswithattitudes8015]

Ya and everytime you go to a new place its a new credit check on your report for them to tell you no... Noone wants to do the leg work to get you the fha loan with the actual lower score requirements. They want it easy for them.. in and out and they make their money... before you ask yes I am very salty with these companies.. lol

[@BingeGamer69]

Been working on my credit for two years. Still get turned down and need to get my family moved asap kkk members are threatening them need help asap please need $60,000 I have a amazing job and can it back just need the loan now

[@Throttleplays]

Haha facts

[@backyard9144]

@@REI-20244did you have any luck finding a lender with low credit

[@lisacastano1064]

It only took me about 6 months to get a 640 credit score for my husband and I. Now it's at 730

[@WinTheHouseYouLove]

Thanks for sharing!

[@mindyechols6819]

Did you increase your credit score without having to pay off a bunch of stuff.

[@lisacastano1064]

@@mindyechols6819 no we had no credit at the time

[@X11CHASE]

No credit is a lot easier to solve than preexisting negative history

[@MichaelJ843]

This is some good information Kyle, never heard this before. You have a good heart.

[@bigtime14]

This is exactly what my husband and I needed. Reassurance! Thank you so much ☺️

[@WinTheHouseYouLove]

Glad it was helpful! Wishing you all the luck!

[@TamaraNiKole]

Thank you for this! I really appreciate it.

[@pixelated_introvert]

Great content as always Kyle!! Super helpful & love the format!! Ty! 💜

[@coachjosephgonzales]

Ok, you’ve got to do a tutorial on how you are getting your text on the screen with the iPad and to get it to look transparent. Great video!

[@WinTheHouseYouLove]

Thank you sir! First, I screen record my iPad and use a drawing app called Adobe Fresco. Then, I record the video while drawing any notes on the iPad. Next, I import both the screen recording and video into Final Cut Pro. I overlay the screen recording on top of the video and sync them up so you can see me draw and talk at the same time.

[@coachjosephgonzales]

@@WinTheHouseYouLove Thanks so much! That is a solid workflow and I am sure takes some dedication and practice, but the quality shows. Kudos!

[@ronkeobaro1647]

Thx🙏 Very impactful information🙏

[@harrysachs3737]

You my friend are awesome for making these types of videos.

[@lub6021]

I appreciate your videos. They always come across has thoughtful, helpful, and well meaning!

[@ap9583]

Thank you so much so nice to know these tips!

[@WinTheHouseYouLove]

You are so welcome! I hope it will help you with your home buying process.

[@christyylove6084]

Have great credit still watching anyways because Kyle is just so informative.

[@shawndawashington8623]

Man this was such an awesome video! Thank you Kyle!

[@WinTheHouseYouLove]

Glad you enjoyed it!

[@darrelbrock9389]

Hey thank you .your videos are the best information I've heard .

[@TMAItalia]

Kyle, you are a true blessing

[@Mina-nq1ie]

Another great video. Thank you 😊

[@WinTheHouseYouLove]

Thanks for watching!

[@jennifermeans95]

You rock Kyle because you're dropping gems! Never heard of the critical concept of FHA Compensating Factors.

[@analeo0277]

Omg you got so much good info…unfortunately most of loan officers are not very updated nor are unwilling to listen when I bring up this options, most of them act like they know it all and they automatically deny me 🥴

[@WinTheHouseYouLove]

🥴Thanks for watching!

[@STANDALONE100]

EXCELLENT Video!!!!! Keep up the good work!!!

[@WinTheHouseYouLove]

Thank you! Will do!

[@stephanieh5216]

Enjoyed the video! Oh, and your voice is amazing 👏

[@WinTheHouseYouLove]

Thanks 😅

[@georgesenda1952]

I had a series of horrible injuries mostly caused by others in the last 15 months. I had a perfect credit score until May when I was injured by a deflating air bed, in horrible pain, could not walk for 9 weeks & was in so much screaming pain, I was only able to pay 1/2 my credit. I am now getting back on my feet, literally physically & financially. I am now paying credit off slowly & did pay off one account this month.

[@georgesenda1952]

What do you do if injuries or illness made you unable to make payments ?

[@prettynatural1973]

Thanks

[@madpennfoodchannel7501]

Thank You 🙏

[@WinTheHouseYouLove]

Any time!

[@philiposborn9141]

What about charge offs and collections?

[@michelleharris8583]

Great video

[@WinTheHouseYouLove]

Glad you enjoyed it

[@TeeClausell]

My husband has 750+ and I have low 500. He wants a CONV . But will me applying with him affect us?

[@06jsil]

I have a 630 and my wife has an 602 but we are working to get her to a 620 before we go for a home loan

[@temekan332]

Hi Kyle. Thanks for the info. Do your tradelines have to be atleast 2 years old for conventional? All of mine are only 1 year old or less. All on time payments.

[@WinTheHouseYouLove]

2 years is usually best

[@brimoore2007]

After watching several of your videos, I decided it would be best for me to step back for 6 months to a year just to get my score a bit higher.

[@WinTheHouseYouLove]

Thank you so much for watching!! :)

[@thetriadbroker]

I want to share you as one of my preferred lender! I have watched your videos for atleast 2 years.

[@WinTheHouseYouLove]

Thanks! I don’t originate loans personally at the moment though

[@thetriadbroker]

@@WinTheHouseYouLove I will keep watching. Hopefully you will in the future. :-)

[@charlesharrell1566]

Are there any exceptions to the two year rule for bankruptcies?

[@nowyourtraveling]

Great video!!! Hoping to get a loan!!

[@WinTheHouseYouLove]

Best of luck!

[@lisafarmen9367]

Hi! I love your videos! They are so indepth and educating. I wish you did loans in Oaklahoma..do you happen to have any referrals? A lender knowledgeable in credit issues and FHA. THANK YOU!

[@WinTheHouseYouLove]

Thanks for watching! Yes, email me at [e-mail]

[@channeldiali]

Is it only the score ? Or other factors like collection, charge offs .....???

[@MyLifeInVideos]

Would one negative mark hold me back ? I have one negative mark of a t-mobile bill. Other then that no credit but working on establishing credit now if I don't take care of that negative mark but raise my score is that good ?

[@LalaLarrieux]

You are AWESOME and have such a great heart and spirit! Thank you for all you do. I'm learning so much from your videos.

[@WinTheHouseYouLove]

Wow, thank you!

[@carasomebody6477]

Ty

[@WinTheHouseYouLove]

You're welcome! :)

[@jedlazine5691]

this video is amazing its the best i have watched, listen to what he actually says he clearly tells you its going to be work, and you should delete the scam messages off your video its very disrespectful . good job with this video and i will do the work, great job.

[@WinTheHouseYouLove]

Thanks for watching! The scam messages are a KZbin problem, it's impossible to keep up with the hundreds of fake accounts created all the time

[@ashleymcdaniel8273]

I have 26 late payments on my car loan. It’s recently current. Am I able to get approved if everything else is on time?

[@tylerthomas4594]

When you say a limit of x amount of 30 60 or 90 lates, within what time frame? For example, if there are 90 day lates from two years ago, is that going to disqualify from AUS? Thanks!

[@WinTheHouseYouLove]

The AUS system is a bit complex. Basically a recent late payment is viewed as more negative than an older one. So making sure there are no recently lates is the goal, but lates (especially older ones) won't immediately disqualify you.

[@jrwheeler81]

When I was 23 years old (many moons ago), I got my very first mortgage with a 625 middle FICO mortgage score. I didn't have bad credit, but I had very little credit, so that was suppressing my scores because my file was so thin and I didn't have enough revolvers. I only had one car loan and one credit card at the time, which isn't enough to build credit. However, I was able to qualify for a USDA no money down loan and didn't have to pay a dime at closing. My husband and I are now buying a new home with conventional. Remember, when you are looking at your credit scores before applying for a mortgage, make sure you are looking at your FICO Mortgage scores. FICO has several different scoring models. What you want to pull are your FICO 2 (Experian), FICO 4 (TransUnion), and FICO 5 (Equifax). Those are the scores mortgage lenders will see and they will use your middle score and will drop your lowest and highest.

[@WinTheHouseYouLove]

Wow! Thanks for sharing this. :)

[@nikkicas260]

Now they are using the lowest score… my family consist of 3 adults and some how they chose the lowest credit score 😂 America is crazy. Buying a house shouldn’t be a morse code.

[@stephanieharries7746]

Great speaking voice

[@WinTheHouseYouLove]

Thank you!

[@bsh21wash1]

Hey Kyle, had a question for you. Im curious how reimbursements are calculated into accounting for income when getting pre approved? For example I receive anywhere from $550-$1200 a month for car allowance depending on how many miles I drive. I have a $525 a month car payment and wondering if they can offset that seeing its basically paid for by my work thru the reimbursement?

[@WinTheHouseYouLove]

Hi! The best person to speak with regarding this is your lender, but if you have proper document's to back this up, you'll be good. Best of luck!

[@aliciajanine1649]

Which credit score do mortgage lenders use? I just learned that Experian has different FICO credit scores....

[@WinTheHouseYouLove]

Experian: FICO Score 2 based on Experian data; also known as Experian/Fair Isaac Risk Model Version 2 Equifax: FICO Score 5 based on Equifax data; also called Equifax Beacon 5.0 TransUnion: FICO Score 4 based on TransUnion data; also called TransUnion FICO Risk Score 04

[@scorpiomoon2881]

This approved lender is telling me we need a 680 at least for the middle score for a usda loan and I’ve never seen that anywhere. I should find a new lender who uses 640 in case my score doesn’t come up quickly enough, right?

[@WinTheHouseYouLove]

It's tough to say just on this comment. You'll want to talk with multiple people who can help you explore options

[@user-iv2vy7ri6i]

I saw a video of a woman who says she bought a home with USDA. She says 640 score you fly on thru. Like guaranteed approval. Assuming meet the income, dti

[@Potatoroomr]

I love you man your content is amazing and easy to digest, bless you brother and thanks for everything you do💪🏽

[@WinTheHouseYouLove]

I appreciate that! Thanks for watching. 🙂

[@gracel4474]

Hi Kyle, I am wondering if I go forward in attempting to buy - it would be my first time. How would you recommend I go about it? Meaning should I go through Bank of America with the 17,500 grant offer for down payment option, or should I go through like an FHA or Government assisted loan with 0?or 3.5% down? I am pretty clueless on how. to go about this right now. I have been trying to learn through your video's but I guess I am a slow learner lol

[@WinTheHouseYouLove]

It's totally up you. Purchasing a home is a big decision and before you dive in to a loan, you need to weigh the cons and pros. Here's my suggestion: to see if you can qualify for a loan, you'll want to reach out to a loan officer who can help. You can click Apply on my website (www.winthehouseyoulove.com/) to be connected with a loan officer I trust. :)

[@Zayahs.Gametime]

I was told by almost everyone my score needs to be a 640 or better i have a 595 and no one wants to approve me for a home loan.

[@lisacastano1064]

Check with lowvarates they do other loan types.

[@Zayahs.Gametime]

Thanks i will

[@ButtonBabbleCreations]

Your standard credit score is different than your mortgage score. When I was at 595 with Credit Karma I later found out that my mortgage score was actually 480. I was devastated. Also, you have to shop for lenders. Just because FHA allows 580 credit score, some lenders have their own requirements. For example, we were trying to get a house with a builders preferred lender and they required a minimum of 600 credit score whereas right across the street a different builders lender only required a 580.

[@lisacastano1064]

@@ButtonBabbleCreations when I was at 620 mine was the exact opposite our mortgage score was 671. Credit karma isn't the best for keeping track of your scores I use the ones from my bank and my credit cards to keep track.

[@WinTheHouseYouLove]

Remember that your payment history is your credit rating. If you pay on time or in advance, expect that your credit score will shoot up to 800. It doesn't matter if it's a big or small purchase, as long as you pay all your dues on time.

[@daniellizarraga3897]

Great video!!! Thank you for putting this out! How do the loan officers verify the rental payments if it’s not on your credit report for underwriting?! Also what if you have a repossession from a long time ago?!

[@mhart94]

They ask for a verification letter from your landlord and copies of your checks or electronic deductions from your bank.

[@daniellizarraga3897]

@@mhart94 thank you

[@ButtonBabbleCreations]

If you’re willing to pay for your landlord to report your on time payments, you can sign up for Rent Reporters. I did this and they started reported my payments within 2 weeks and my credit score jumped up significantly.

[@WinTheHouseYouLove]

Verification of rent document and copies of checks/bank statements

[@Americanomondays]

Kyle, Hey man - want to say thank you for all of the videos and work you put into them. I cannot tell you how much I have learned from you over the past 4-5 months after coming across your channel. My wife and I are going to start moving forward with purchasing a home in the next few months and have been working hard on our credit. Hers is well above 700 but mine is low lower to mid 600's (depending on which agency is reporting). Thankfully - I just settled/paid my final closed card last week - and am waiting for that to show up on my credit report as zeroed out - and hoping that will help out - I'm nervous to have a lender pull my credit before that shows current. So fingers crossed it doesn't take forever. But this is a good video to remind me that there are many factors to my score and thankfully - we're using our current credit cards WAY smarter than ever before and finally understand paying off in full each month - and credit utilization. But yeah man - I feel like I've gone to school between your channel and others so it's greatly appreciated. Jeff.

[@jenniferlego4221]

Have you watched the live streams with Javier? Uplifting entertainment. You don't even know you are learning!

[@WinTheHouseYouLove]

That's good to here. Thank you for the support!

[@sheikmoto7257]

What if I have a bad score but my on time payments read excellent oldest credit line is two years credit used reads excellent

[@WinTheHouseYouLove]

Hi! Try to check if you have any payments that you need to dispute.

[@kfergus3662]

I have 7 buyers who want to buy my house, I want a smaller one floor plan in Chesapeake,Ohio. But with mine and wife credit score it’s not going to happen..if you could help,thanks

[@optamisticwilliams8823]

Why does it take so long for you to get a letter stating if you're approved or denied from the USDA ? They told me it would take 30 days or lesser

[@WinTheHouseYouLove]

Actually, the process from purchase contract to closing takes around 4-5 weeks. Good Luck!

[@butterfly-pf8lj]

If i have a 120 day late payment on a credit card payment in feb of 2023 how long do i have to wait to have on time payments to get a fha loan

[@WinTheHouseYouLove]

There isn't a waiting period for that. It will just depend on what the underwriting software determines the risk to be

[@AR-uz6kq]

I click on the link in the video and it took me to UMortgage. I have a 584 score. The rep said they only help people with a "620+" credit score :-(

[@WinTheHouseYouLove]

I have a section at the end of this video for recommended lenders with that credit score 17:50

[@The_F_In_Life]

I have fair credit but 2 unpaid loans on my report. Is there anyway I can buy now? I got turned down a few times now recently. I applied for both FHA and USDA. I’ve been working on my credit and saving for a down payment. We really need to move.

[@WinTheHouseYouLove]

That I can help, let me connect you to a loan officer that is trustworthy and we can start from there. here's the link: www.winthehouseyoulove.com/

[@The_F_In_Life]

@@WinTheHouseYouLove I was just told my credit score has to be 620 before I can apply. It seems like they just want to help the credit repair companies and not me. Please help

[@lilcutenurse]

How do I get you to work on my loan with BOA?

[@WinTheHouseYouLove]

Thanks for commenting! To see if you can qualify for a loan, you'll want to reach out to a loan officer who can help. You can click Apply on my website (www.winthehouseyoulove.com/) to be connected with a loan officer I trust.

[@TamaraNiKole]

@@WinTheHouseYouLove Even if you are not in Ohio? I live in Illinois

[@zirecara]

Does this apply to no credit as well?

[@WinTheHouseYouLove]

Yes, it's possible to get a mortgage without a credit score, but the process is typically faster when you have a credit score. :)

[@niaanderson7124]

I need you as my loan officer! You are very helpful and informative. Do you provide service for KY residents?

[@WinTheHouseYouLove]

Thanks, I'm glad to help! I don't, but you can go to my website and I can recommend a lender I trust :)

[@niaanderson7124]

@@WinTheHouseYouLove Just did, thank you :-)

[@elainemalcolm8349]

@@WinTheHouseYouLove Do you know any good lenders in Pennsylvania information please.

[@sd8023]

I had bad credit in 2017 and had good credit The last four years of payments on time.. but they keep updating the 2017 to make it look like it’s active now I don’t understand it hurts me as far as buying a house can you help

[@WinTheHouseYouLove]

Hi! For the 3 big credit rating companies, late/missed/ bankruptcies will stay in the report for approximately 7 years. So be very careful of your delinquents. Best of luck!

[@jenniferlego4221]

Kyle getting real! Haha. I like to whine about no-credit-score applicants (myself) are treated like bottom of the barrel. We have the same conditions as the 580 app. I choose not to play the "game" of debt. Consumers never win. I wish someone would require utility companies to report to credit bureaus each quarter (reasonable?). JMHO. As always, GREAT content! You are my favorite NON bio son. HEHEHE

[@nalgas5569]

You can actually self report that through the experian app. I did it at the beginning of 2021 to help build up my credit score and now I close on my first home on tuesday

[@xxtoptankxx6873]

Also have manual underwriting. Churchhill mortgage is a very popular one. Highly recommended by Dave Ramsey. I plan to go that route however my score is 750. But I plan to pay off all debts so that score might tank.

[@thecharmshopp]

What is considered late rent payment? 30 days?

[@WinTheHouseYouLove]

If it's due on the 1st, and you pay it on the 2nd, it's late.

[@kanikajones7596]

I have a question do you know if any good loan places in VA my score is. 620 and I can’t get and approval

[@michellem3879]

Most lenders in VA and elsewhere are now looking for a minimum of 640 regardless of the program used. I quickly looked at Nexa’s website and it looks like they do loans in VA. I will tell you to avoid VHDA if you’re even thinking of occasionally paying extra on principal down the road. They do not allow partial or principal pay down payments (learned this when I mentioned paying it down to my daughter who has one).

[@Zenatawarrior]

What state?

[@WinTheHouseYouLove]

Make sure to watch the end of this video

[@thafutureonline619]

Just contact a realtor that my friend who bought a house through referred me to. I don't have the best credit, but I have a large amount saved up, so hopefully by early next year (within the first few month of the year) I'll be in a new home for me and my daughter!

[@skylarjadefabien8204]

thank you. how can we reach you.

[@WinTheHouseYouLove]

You can schedule a call with our team at www.winthehouseyoulove.com/

[@nadegenicolas3963]

You are wonderful, I’m so happy I came across your channel. You have provided me with so much information about home purchase. My goal is to be a homeowner soon. God Bless you

[@Dblackmon1993]

Everybody ive tried to use with my VA loan these days keep telling me 640 is the limit

[@WinTheHouseYouLove]

I give options for that problem in this video

[@lachelsk]

Hello We are in the process of buying a new build. We just found out that we just got a 30 day late it dropped my husband score by almost 100 points. We are suppose to close in Nov-Dec. it’s conventional loan. Will we be able to buy our house?

[@WinTheHouseYouLove]

Woah! It all depends on the lender. Best of luck!

[@theforestisdark9676]

Please help, I'm currently in escrow I have a credit score of 800 and one credit card but havent used it in 1-2 years till just now, it was still active but credit report shows "recent lack of inactivity" but again 800 credit score I do have a history of making my payments on time when i was using it, I've had the card for 7 years would that disqualify me from a mortgage? My co signer has a good history.

[@bradbowers352]

I'm sorry to ask this question to you I have a 580 ish credit score. First time buyer the negative marks I have our when I went on a trip overseas for a few months my credit cards got past due but when I got back I paid them off. My base pay is 1750 a week. My lease is running out and I really don't want to give somebody rent anymore. Will I be able to get a loan for like 200k to buy a house ?

[@frankbo25]

Yes, I was able to get approved for $250k with a similar score and income

[@justinrees2400]

The good news is you can set a goal for 6-12 months from now to quickly bump your credit and your down payment at the same time.

[@WinTheHouseYouLove]

Yes! Thanks for watching. :)

[@prp134]

Eugh! I say just work on your credit so you can get a conventional loan. I got an FHA pre approval on 640 but it’s really pointless because my offers get overlooked in today’s market. I get overbid on semi decent homes. Or My offer gets overlooked on fixer uppers because the owner is unwilling to fix anything to pass inspection. Or Any showings gets automatically cancelled once they find out I have an FHA I gave up, it’s been 6 months since I got approved. I guess I’ll be renting forever.

[@WinTheHouseYouLove]

Don't loose hope! Best of Luck!

[@Tshanholtz1991]

Awe too bad you don’t live close to me. I just sold my own to an fha loan. No issues we had. But I understand the fha loan. The appraiser has to be the final say to what needs done. Forget the inspectors. If the appraiser says you need new gutters and the seller refuses to do it you’re out a house. And that blows.

[@TD-bz7rg]

I had these same issues. Finding someone you know who is selling is a good start. Its what I had to end up doing

[@frankbo25]

I found this video at a point in the my homebuying process where I was ready to give up and say it wasnt possible. I took the advice and motivation and now I am a 1st time homeowner!! My boys and I love our new place...thank you!!

[@francinebright5631]

My credit score is 513,but I never had a credit card, it's just late payment and charge off,how can I get a house with this?

[@WinTheHouseYouLove]

Sounds like you’re on step 2 and ready for step 3 :)

[@francinebright5631]

Can you help me with this

[@Hollygdorsey1]

I am getting the run around with a 630 credit score. I don’t understand why. I’m a retired veteran, no bankruptcy, 15 year career with the Va. why is it this hard. I reported all my rent through a rental company. DTI is is 20k income is 127k. 😢 no one with work with me. I don’t understand

[@WinTheHouseYouLove]

Hi Holly! Just emailed you back :)

[@kitana31]

My spouse has the 2 year employment history and makes the highest income out of both of us but has a 625 credit score. I have 700 credit score but less than a year employment. What are our chances of getting approved if we apply together? Our combined DTI is around 39%

[@TheYogina]

I am in a similar situation. Unfortunately your credit score will mean nothing. They will base it completely off the one with the lowest credit score. They will run reports from the 3 bureaus and take his middle score. So if he has a 700,625,600 they will take the 625. Sooooo unfair how they do things. 🙁

[@kitana31]

@@TheYogina wow seriously?! That’s so crazy. So what benefit would it even be if I co-signed? Sounds like they don’t consider my score if I co-sign.

[@WinTheHouseYouLove]

I suggest that you build your credit score to 800. Lenders prefer a DTI lower than 36%, with no more than 28% of that debt. Good Luck!

[@totallychillgirl8072]

Leave your husband off the loan. Use his income.

[@sclapsclap177]

You can find a loan with your scores. Just apply

[@cryptojuan5897]

Heloc?

[@WinTheHouseYouLove]

What about a HELOC?

[@marychelecamu8602]

Hi by any chance do you service PA?

[@WinTheHouseYouLove]

My team works in all 50 states! Send me an email [e-mail]

[@marychelecamu8602]

Hi Kyle just sent you a email. Thank you

[@elainemalcolm8349]

@@WinTheHouseYouLove i just asked the same question if you have lenders in Pennsylvania.

[@walterevans9657]

How do we work with you directly?

[@WinTheHouseYouLove]

You can check my website: www.winthehouseyoulove.com/

[@RonLennard1020]

I need help getting a mortgage, I’m a truck driver

[@WinTheHouseYouLove]

You can visit my website: www.winthehouseyoulove.com and schedule a consultation. :)

[@jaiej8998]

Can you please do a video letting this audience know that you consumer score and mortgage score are not the same.

[@WinTheHouseYouLove]

Thanks! Great suggestion!! I've been hearing more and more about them recently, so I will add it to my video ideas list :)

[@jaiej8998]

@@WinTheHouseYouLove thanks 😊

[@prettyfacebundlesmoody9341]

This sounds good, but????

[@aprox23]

I paid my credit card off in oct of 2023 and my credit is still garbage. 574 credit score. I dont get it, i always had good credit my whole life. Made one mistake during covid, and fixed it, and still being pentalized.

[@WinTheHouseYouLove]

That's really frustrating! You can set up a free consult with My Credit Guy to see if they can help: www.mycreditguy.com/

[@Johnathanb09]

You have been by far the best wealth of I have receive of obtaining information regarding the FHA loan this video helped me tremendously!!!!!!

[@joshuaadetunji5875]

Hey could I have your help

[@WinTheHouseYouLove]

You're welcome to ask a question in a new comment. I can't see notifications on comment threads.

[@christinalodge7597]

Someone put 70 hard inquiries on my report!!!!

[@Zenatawarrior]

How long have you been an LO Kyle and where are based of?

[@WinTheHouseYouLove]

3 years out of Ohio

[@jackilove523]

♾✨🙏🏼💙Thank You💙🙏🏼✨♾

[@excessnetwork4221]

Dude what’s your IG?

[@WinTheHouseYouLove]

I don't have one

[@excessnetwork4221]

Ah main, thanks for responding Just wanted to show you some 💜💜💜 I’m an RE agent and your info is such a big help And I wanted to do some content in my state And I wanted to use some your editing patterns and get your blessings 🙏

[@WinTheHouseYouLove]

Sure thing, you're welcome to use any inspiration :)

[@michaelhewitt1986]

👍🏿👍🏿👍🏿🇬🇧

[@tanyazuniga320]

What’s your contact information?

[@WinTheHouseYouLove]

[e-mail]