I can get you a 100% 30yr Fixed Rate @ 9.9% or a 2yr Arm @ 8.9% give you time to work on your credit!

Sneldon Berry

Low 7’s….I don’t think so. You have a “poor” credit score, I’m assuming full income doc, and zero down.

You’re probably looking at the mid 8’s on the first and double digits on the second.

If it’s full-doc and you can document your income and you don’t have current collection accounts or judgments, try for FHA or the My Community loan, though you might make too much money for the My Community one. These offer rates in the high 6’s to low 7’s.

You are going to get killed on your rate with a credit score of under 600. I would consider renting until you and your husband could get your credit score in the 710+ range. I don’t know what rate you’d get, but it’s probably going to be well over 7%.

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For 100% one loan honestly your looking at around 10% with a 580 fico score. On an 80/20 you can expect about 7.9% on the first and 11.5% on the 2nd. if your lucky. Why dont you do a first time buyer program?

Probably in the low 7’s