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Getting Pre-Approved

 

Below is a list of a few down payment options and different loan types. This list is for informational purposes only and are only general guidelines. Your rates, loan options, and down payments could vary based on many factors.

  1. Conventional 3-20% Down (or more): 620+
  2. FHA 3.5% Down: 580+
  3. USDA $0 Down (For More Rural Areas): 600+
  4. VA $0 Down: 580+ (Thank YOU for your service!)
  5. Indiana Housing Next w/Down Payment Assistance (little to no down payment): 660+
  6. Same as #5 PLUS a Federal Tax Credit Up To $2,000 EVERY year: 660+ 

If you fall short on these to qualify, Click Here for an expansive list of ways you can improve your score. Additionally, some lenders we work with have the ability to run credit score scenarios to tell you EXACTLY what you need to do in order to boost your credit scores by a certain number of points needed to qualify. For example, the lenders are connected with the credit bureaus, and if you need to increase your score by 40 points to qualify, they can tell you exactly how much needs paid on which debt(s) in order to get you to that qualifying score that is needed. Pretty neat!

If you need help finding a lender we work with plenty of them, and can refer to you a few options based on your financial circumstances. Please Contact Me and we can go over your situation and I can connect you with the right company.

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Eric Miller | Wright Realtors
64 S Jefferson St
Danville, IN 46122
317-797-6738

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  • Map Search
  • Homes With Shops
  • New Construction
  • No HOA + Under $300k
  • Homes With Pools
  • Foreclosures
  • Pond View
  • Homes With 1-5 Acres
  • Homes With 5-10 Acres
  • New Construction Community List
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  • Avon
  • Brownsburg
  • Plainfield
  • Pittsboro
  • Heritage Lake
  • Monrovia
  • Camby
  • Mooresville
  • North Salem
  • Clayton
  • Jamestown
  • Bainbridge
  • Coatesville
  • Lizton
  • Speedway
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