Did your bank say your FICO score was too low? Is your score below 640 or 620 even below 600? Well yes you can still buy a house we go down to a 580 FICO Score and lend to FHA guidelines. That means no Lender overlays, Credit Unions have overlays, Big Banks have overlays, and Correspondent lenders have overlays, come over to TPO where your loan can fit the wholesale lender. Ok what does that mean for you? Better programs and rates for any FICO score and we can prove it - ask for a comparison of your current deal- We have the largest LENDER CREDIT available to you. A lender credit allows you to close on your home with only bringing in your down payment. The Lender credit pays for-everything else, TITLE FEES, ESCROW FEES, TAXES, HOMEOWNERS INSURANCE, and the loan fees- Our rates are still in the mid 3's. . .. yes that's right 3.75% FHA Purchase 600 Fico 4.25%APR -- that's a smoking deal- hot deal -- good deal, whatever you want to call it. Your Realtor does not know loans, they sell property, ask a Lender how this is done. . .. . .. Call me on my cell Ken