It is a beautiful day here in Jacksonville FL for all home buyers! Just because your credit score is low does not make you a bad person does it? Low credit scores also dont mean that you have bad credit. It could be that you just don't have enough of it. Well, home buyers wanting to purchase real estate in Jacksonville FL finally have a voice.

One of my major lenders just made a major announcement.  While other lenders are tightening credit restrictions, a national lender has relaxed them some. As of January 15, 2011 this lender's minimum score requirement is only 500!

Here is the outline of the new credit guidelines...........

If your credit score is between 500-579 you will need a 10 percent down payment. You may not use down payment assistance or gift funds. 
                                                     580-599 you will need a   5 percent down payment.  You may not use down payment assistance or gift funds.
                                                     600+ you may still use the Florida Bond Program, H2H program or the match program.


If you are NOT working with a real estate sales agent at this time and would like more information please don't hesitate to contact me.

Email me for more details Kimsellsjax@gmail.com.

Best Regards,
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