Does 580 gain from equifax could qualify me to catch a home loan?

You will pay really soaring interest.

See if you can do a lease conversion. Repair your credit and have your rent move about toward the payment of the house.

Good luck.

As long as you enjoy a 2 year job & residence history you should be capable of get something done. I would love to assist you. Please phone up 877-Funds99 and ask for Dominic Moscato.

Answers:
You probably could, but it would be at an absolutely horrible interest rate and considered subprime. It would depend on what is knock your credit score down (charge-offs, repossessions, things close to that), your debt-to-income ratio, length of employment..lots of factors. I would try to prequalify first to see IF you would possibly qualify and for how much.

Let me provide you a bit of friendly advice...examine your credit report like a hawk after you prequalify. There are unscrupulous agencies who will adjectives of a sudden put "phantom debts" on your credit, hoping that you will pay it out of desperation to bring it off your credit. We have that happen and successfully sued for damages and FCRA violation. They paid our closing costs for us. :-)

Also, SCH is right going on for subprime lenders; they do not want your money..they want your house AND your money. Stay away from lenders like Homecomings Financial, Fairbanks, OCWEN, and Countrywide.

Most predictable until you can get your rack up over 650 you will only qualify for sub-prime or predatory lendors such as Ms. Moscato. Beware of these lenders as they really don't precision what you can afford or what your payments are, they just want to provide you a loan (they get their money when they go the loan off!)

LOL!

SCH said it best! See her post above.