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Posted by
Kay Smith

Are there any agents that work with low credit and high income?

I am looking to do a long term lease on a home and recently had a medical bill post to my credit report dropping me 100 point. I make well over the required income for the price range I am wanting, however I have gotten no help for realtors so far. Are there any alternatives, or any agents willing to discuss my situation and help. I am looking to move within a month an a half.

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Are there any agents that work with low credit and high income?

By Kay Smith   
Posted on Nov 01, 2018 in Topic: Houston Living
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I am looking to do a long term lease on a home and recently had a medical bill post to my credit report dropping me 100 point. I make well over the required income for the price range I am wanting, however I have gotten no help for realtors so far. Are there any alternatives, or any agents willing to discuss my situation and help. I am looking to move within a month an a half.
Status: Open
Viewed: 375
Asked by: Consumer
Posted: 2 weeks ago
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Bronze
Kimberly Patel
about 2 weeks ago
Give me a call! I’d love to see if I can help you out!
Kimberly Patel 281-690-2617


about 2 weeks ago
Platinum
Ryan Kohn
about 2 weeks ago
I would be happy to help. I have a top notch mortgage lender that can get it done if it can be done. We can also look into Owner finance homes if interested that may be a benefit, even if it is short term until you can refi with a traditional mortgage.
Ryan Kohn
281-636-8179 call or Text
ryank@rykohnrealty,com


about 2 weeks ago
Bronze
Robin Neugebauer
about 2 weeks ago
Absolutely! I would be honored to work with you.

Robin Neugebauer, REALTOR
281-639-7242 Text/Call


about 2 weeks ago
Bronze
Braden Deckard
about 2 weeks ago
Absolutely! Give me a shout; we should be able to find a landlord that will accept you. 281-203-0079. You bet!


about 2 weeks ago
Gold
Mark McNitt
about 2 weeks ago
Hi Kay,

A good idea might be to have a copy of your credit report handy. You can get a free one once a year from the 3 bureaus or Credit Karma. When I'm looking over an application from a tenant and their credit report, the credit score is not the big item. I'm looking at income VS bills and track record of paying on-time. For example, if you make $100,000 a year, yet you can't pay a $75 Sprint bill, that will get my attention in a negative way. If your track record is very good, yet there is a recent medical bill, that should NOT affect your presentation to a landlord. Good job and past rental references always help.

Now there might be some other issues we are not aware of here on this post. Speak to a Realtor who works with a lot of rentals so they can best advise on how to go forward. If we can help, please reach out to us. Great your planning ahead.

Mark McNitt
MarkKnowsHouston.com
832-567-4357
Bernstein Realty


about 2 weeks ago
Bronze
Zelda Cain
about 2 weeks ago
I am so sorry you have had Realtors that have not given you the respect and service you deserve. Here at A2Z Real Estate Consultants we are here to serve you and have several options that may be of interest to you. We welcome an opportunity to discuss your current status and share the available options that will help you with your need and desire to relocate. Feel free to reach out to us at 832-779-8229 and ask for Zelda Cain, Broker or send us an email to admin@a2zrealestateconsultants.com with your contact information so that we can speak with you directly. We look forward to hearing from you soon.


about 2 weeks ago
Bronze
Eli Torres
about 2 weeks ago
I partner with an awesome lender who can get you qualified for a mortgage starting at 580 credit score. They have several different options and down payment can vary.

Call me tomorrow and I’ll connect you with them.

Eli Torres
(832)479-6336
Keller Williams Realty
EliTorres@kw.com


about 2 weeks ago
Bronze
Doris Snipp
about 2 weeks ago
Yes, I have an excellent rental in the Kingwood area. It is close to 99 and also Hwy 59. It has 4 bedrooms, immaculate. First time rented. The landlord is a prune, address’s any problems immediately. If the location works for you give me a call 832-877-1040


about 2 weeks ago
Bronze
Fernando Flores
about 2 weeks ago
Hi Kay, I hope you are well. I worked with clients with low credit and high income in the past. I am teamed with top lenders that can help your situation. They can even help raise you credit score through their program. We can even look into downpayment assistance grants to make the relocation easier for you too. I treat ever person I meet with respect and honesty. The same goes for my preferred lenders who will assist you. Please call me at 409-443-1900. This is my direct line or email Fernando.flores@exprealty.com . I look forward to hearing back from you.


about 2 weeks ago
Bronze
Karen Friend
about 2 weeks ago
I have worked with many buyers as well as tenants who fit that description and have been pretty successful. If you'd like to, contact me and let's see if I can help you Karen Friend 713-449-2131


about 2 weeks ago
Bronze
Michelle Murray
about 2 weeks ago
So sorry about that drop! Life happens and I'd be honored to help you find your next home. You can call me at 287330851 or email michellemurray@remax.net.


about 2 weeks ago
Bronze
Ijeoma Akuechiama
about 2 weeks ago
Good morning Kay,

I would be happy to discuss your situation with you and help you get into a home. Please call me at 2814558774. Thank you.

Ijay


about 2 weeks ago
Bronze
Jessica Malone
about 2 weeks ago
Hi Kay! Let's do it! Give me a call at 504-858-2499.


about 2 weeks ago
Bronze
Karen Gillespie
about 2 weeks ago
I work with everyone. The best thing to do is visit with a lender and see what you need to do to get your credit in better standing. It is my understanding that ther are finance products out there if you have assets and a high net worth.

Karen G


about 2 weeks ago
Bronze
Teresa Bitner
about 2 weeks ago
Are real estate agents not contacting you? I am an agent and, although, I concentrate more on sellers, I can certainly give you names of agents that will work with you.


about 2 weeks ago
Bronze
Michelle Thomas
about 2 weeks ago
Absolutely and I would be happy to walk through the process with you.
Michelle Thomas
281-617-7808
Texas Home Group Realtors


about 2 weeks ago
Bronze
Vhara Salvadori
about 2 weeks ago
Many agents will work with you, and will generally advise it’s in your best interests to (a) work on improving your credit score, (which can be relatively easy to get back on track / see below), and (b) get pre-approved by a good lender so you know exactly what you can afford and obtain financing on. I see you’ve had many responses, but I’d be happy to discuss further if you’d like more information. Hope the info below is useful. Best regards, Vhara.

STEPS TO BOOST YOUR CREDIT SCORE
There aren’t shortcuts to improving your credit score. You’ll need to make sound financial decisions for at least several months to offset previous damage you’ve done to your credit record.
But that doesn’t mean it can’t be done. Here are four steps to improve your score and increase the chances you’ll qualify for a favorable mortgage loan.
CHECK YOUR CREDIT REPORT
Verify that the items listed on your report—especially the negative ones—are correct. If there are mistakes, correcting them is an easy way to help your score. You can order free copies of your credit report at annualcreditreport.com.
PAY OVERDUE ACCOUNTS
Past-due balances are very damaging to your score. Pay off
the debt or at least negotiate a plan to get those accounts current. Once current, those accounts will stop adding negative information to your credit report and can generate positive credit-score movement.
USE LESS OF YOUR AVAILABLE CREDIT
Carrying a $2,000 balance on a Visa card with a $3,000 limit isn’t going to help your credit profile. Try to pay down those balances, if possible, to less than 50% of your available credit. Another option is to ask for a higher limit. If Visa raises the limit on that card to $6,000, your balance looks better—as long as you resist the urge to add to the balance on that card.
DON’T CLOSE ACCOUNTS
This one is counterintuitive, but closing a credit card account lowers your available credit. Keep that card active and set it up to autopay one or two small, recurring bills, such a


Source:


Nar.com

about 2 weeks ago
Bronze
April Mayo
about 1 week ago
Hi Kay!

Many agents would be more than happy to assist you. Oftentimes with not so great credit, a double deposit will likely be requested when renting. The deposit will still be returned at the end of your lease, as long as no extensive damage is done to the home/unit.

If you’re still seeking assistance, please let me know. It would be my pleasure to help. :)

April Mayo
Realtor, Cross Capital Realty
832-816-9699
April.mayo@crosscapitalrealty.com


about 1 week ago
Bronze
Pius Dawson
about 6 days ago
Hi Kay,
Well reading through all the posts you have many agents to choose from. I would like to add my name to the list as I am not only a licensed agent but also landlord for properties I manage throughout the city. I have single family homes, town homes and condominiums available for rent. Please feel free to call me to discuss your budget, area you wish to reside and I can give you an immediate answer once I evaluate your situation.

Feel free to contact me at anytime

(281) 610-4728


about 6 days ago
Disclaimer: Answers provided are just opinions and should not be accepted as advice.
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