However, a 600 credit score and zero felonies is not subjective. 

I got title insurance in 2 days and used a line of credit where I had the bank do a certified check to the title company. 

We had 900 point decline in Feb and we are still standing.HOWEVER, clouds are on the horizona) International markets have been routed - from 50% down in Asia and Russia to 15% down in Europeb) Interest rates are climbing, 30 year mortgage hit -- shock, horror -- 5% againc) Real estate markets in some regions are showing seasonal cooling downd) Tariff warse) Oil prices risingf) Employers cannot find employeesThe next 12 months should be interesting ....When the credit markets sneeze, the real estate market will catch a cold ....

I'm sure you all see similar credit reports. 

They can't assume that they will be getting a credit at closing.

Get the exact figure from your lender.5.5% is rare unless you have an 850 credit score, perfect DTI, and abundant income.

Many cities even require a credit check or a back ground check.

Our credit is pretty strong, we only have about 7k cash on hand, and we screwed ourselves into a good bit of debt.

Hi Everyone,I’m looking into applying for a fixed rate HELOC and was wondering if anyone has any recommendation on which bank or credit union I should focus on?

Then I guess he will have to decide if he’d like to keep his credit score or have a judgment against him.