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They walked in with mid-600s credit and big hopes. First home tour? Boom – love at first showing. Their rock-star real estate agent then negotiated $20,000 under asking, because apparently the universe likes them. Me? I got busy turning a “maybe” into a “move-in”.

We built a quick plan: full pre-approval, tight docs, and a credit-score tune-up (think utilization clean up and a few fast updates). While they fell deeper in love with their future living room, I worked the numbers. As their score nudged into the upper-600s, we repriced the loan for a better interest rate and added a touch of lender credit to ease closing costs. Because romance is great, but saving money is HOT.

Meanwhile, the clock was ticking. Appraisal, title, underwriting, conditions – wash, rinse, clear. We closed in just 18 days, which in mortgage time is basically lightspeed. They got the house, the payment they wanted, and bragging rights. I got a thank you text and a review with too many exclamation points. Worth it.

Moral of the story: You don’t need a perfect score to buy a home. You need a smart plan, a responsive team, and someone who knows how to optimize your rate while keeping closing costs in check.

Quick FAQs (answers to what you’re probably Googling)

What credit score do I need to buy a house?
Plenty of buyers get approved in the mid-600s. Better scores can mean better rates and lower costs, but we can often optimize your profile so you don’t overpay.

How fast can you close a mortgage?
With complete docs and fast responses, ~14–21 days is realistic. Many loans land in 30 days; your timeline depends on appraisal, title, and how quickly we knock out conditions.

Can my rate improve if my credit score increases during the process?
Often, yes. If your score moves into a higher pricing tier before final approval, we can repull credit, re-evaluate pricing and chase a better rate (program and lender dependent).

What is a lender credit – and why would I want one?
A lender credit helps offset closing costs in exchange for a small rate trade-off. Used smartly, it keeps cash to close comfortable without wrecking your payment.

 

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If you’re sitting in the mid-600s and wondering whether homeownership is “now or later,” let’s make “now” happen – without donating extra dollars to your interest rate or closing costs.

Property Details

Price: $780,000

Address: Waxberry Ct

City: Las Vegas

State: NV

Zip Code: 89178

Year Built: 2006

Square Footage: 3,500

Lot Square Footage: 6,000

Beds: 4

Baths: 3