Thin credit
A limited number of accounts is different from a history of missed payments. Some programs may consider documented nontraditional credit when requirements are met.
Credit and Income
Low credit does not automatically end the plan
A low score, thin credit, collections, or past late payments may change the strategy, but the first step is understanding the actual mortgage report and program options.
Damaged credit
Late payments, collections, charge-offs, high balances, and recent events need an account-by-account review. Do not pay or close accounts blindly.
Build a specific plan
The next step may be correcting errors, lowering balances, adding time, documenting explanations, or working with a reputable credit counselor.
Start with the conversation
Complete the application and let me see the real file before you decide that homeownership is off the table.
Written by Marta Lillard
25+ years of mortgage experience, explained in plain English.
Mortgage Broker · First Coast Mortgage Funding · NMLS #879436 · Licensed in Florida and Georgia
Questions about your options?