The first casualties of the market bust are beginning to imerge and are ready to get their lives back in order. For many this will include re-establishing credit and setting sites on a new car or home to replace what was lost. Ever changing mortgage guidelines are making this task more challenging than previously thought. Even first time home buyers with good credit (650 to 690) are finding it difficult to obtain financing.
Less than two years ago, many mortgage lenders did not have a minimum credit score requirement for FHA loans. Today all that has changed. A mere six months ago the required middle score of 550 began creeping into the picture and today a minimum score of 620 is pretty much standard across the board.
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