Credit Rating Chart - CREDIT RATING
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CREDIT RATING: Credit Rating Chart
| Rating | Mortgage History | FICO Score | Bankruptcy Discharged | Notice of Reinstatement or Foreclosure Sale Date | Maximum Loan to Value |
| AA | 1 x 30 | 640 or greater | 3 years since discharge or dismissal | 5 years | Can finance up to 100% of purchase price or market value |
| A- | 2 x 30 | 600 or greater | 2 years since discharge or dismissal | 3 years | Can finance up to 90% of purchase price or market value |
| B | 4 x 30, 2 x 30 or 1 x 60 | 560 or greater or * | Chapter 7 - 1 year from discharge; Chapter 13 - 1 year from discharge or 2 years from dismissal | 2 years | Can finance up to 80% of purchase price or market value |
| C | 1 x 90 | 520 or greater or * | 1 year since discharge or dismissal | 1 year | Can finance up to 75% of purchase price or market value |
| C- | 2 x 90 | 500 or greater | Chapter 13 must be paid off at funding; Chapter 7 must be discharged one day prior to closing | No NOD at funding | Can finance up to 70% of purchase price or market value |
| D | 1 x 120 to current foreclosure | 500 and below | Chapter 13 must be paid off at funding; Chapter 7 must be discharged one day prior to funding | Can be currently in foreclosure | Can finance up to 65% of purchase price or market value |
* Some restrictions may apply. Other programs may be available on a case-by-case basis.
ADDITIONAL CREDIT RATING RELATED FACTS
Will A Less Than Perfect Credit Score Haunt Me Forever?Does Your Credit Rating Get Better If You Have More Credit Cards ?Paying Off A Loan EarlyCredit RatingWhat Are R1 And R9?What Is Credit Rating?Consumer Reporting Agencies - How Do I Find The Cra That Has My Report?| Find Credit Facts |
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