Generally speaking, the better your rating, the more options you may have available to you.
However, a less than perfect credit rating doesn't always have to mean the difference between owning and not owning a home.
While financing may be more difficult to secure, an experienced mortgage professional is familiar with many types of financing, and has worked with individuals with all types of credit backgrounds.
Generally speaking, if your credit score is less than perfect, you will need anywhere from 15% to 25% down payment. Some lenders allow part of the down payment to be gifted from an immediate family member.
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Give me a call today at 647-893-2535 to discuss your current financial situation, you may be pleasantly surprised that owning your own home isn't out of your reach. My goal is to help you achieve your dream of home ownership.