How to Qualify for an FHA loan with a 620 Credit Score in Carson...

Image

Unlock Homeownership in Carson with Just a 620 FICO

We help everyday buyers secure FHA financing — no perfect credit needed. Whether you're renting, relocating, or rebuilding credit, Carson homeowners are finding their path forward right here.

We've helped hundreds of local buyers with credit challenges secure FHA approvals—now it's your turn.

  • Is 620 Good Enough for an FHA Loan?

  • What Are the FHA Guidelines in California?

  • What If I Don’t Have 3.5% Down Yet?

  • Can I Buy a Home in Carson with a 620 Score?

Don't guess. Don’t Google. I’ll show you exactly what it takes to get approved in Carson today.

These are the same questions we hear from Carson buyers every day...

🔍 Is 620 Good Enough for an FHA Loan?

🔍 What Are the FHA Guidelines in California?

🔍 Can I Buy a Home in Carson with a 620 Score?

Don't worry, we can help!

If Any of This Sounds Familiar, You’re in the Right Place

You want to buy a home in Carson (or nearby)

Your credit score is around 620—but you’re working on it

You have some funds for a down payment (or want to explore assistance programs)

You’re unsure about the FHA process and want expert guidance

You’d rather speak to a real person than guess your way through it

You’ve been told “you don’t qualify” but haven’t seen real numbers or options

You’re rebuilding after credit challenges, collections, or late payments

You’re tired of renting and want to turn your monthly payment into equity

You’re looking for a real plan—not just a vague pre-qual letter

Los Angeles skyline with palm trees and freeway, overlaid text: California Hard Money News Update August 2025 — Rates Slide, Inventory Swells, Buyers Stumble

California Hard Money News Update — August 2025

Loan Comparisons
August 20, 2025•0 min read
Custom HTML/CSS/JAVASCRIPT
California hard money newsAugust 2025 lending update
blog author image

Troy Mire

Troy P. Mire is a seasoned Real Estate Broker, Mortgage Broker, and Hard Money Specialist with over 20 years of experience in the industry. As the founder of TMireBroker & Co., Troy specializes in providing tailored real estate and mortgage solutions, including FHA, Conventional, VA, USDA, DSCR, H120 Loans, and Hard Money Lending. With licenses in both real estate (DRE: 01199870) and mortgage (NMLS: 1795353), Troy brings unparalleled expertise to every transaction, helping clients achieve their financial and investment goals. Known for his dedication, knowledge, and client-focused approach, Troy is a trusted advisor in the Southern California market and beyond.

Back to Blog

The FHA Process — Simplified

Here's what Troy Mire will provide:

  • I’ll walk you through the exact steps to qualify with a 620 score—from pre-approval to closing.

  • We’ll review your score, trade lines, and any recent dings—and how they affect approval.

  • I’ll break down your income, debt ratios, and down payment options—and show you what’s possible.

  • No sales pitch... Just answers!

Image

"Let’s skip the guessing. Schedule a free 1-on-1 call, and let’s build your game plan"

COMPANY

CUSTOMER CARE

FOLLOW US

Copyright 2025. Troy Mire Team . All Rights Reserved.

Equal Housing Opportunity | Real Estate Services: TMireBroker & Co. | CA DRE: 01199870 | Private Lending: TMireBroker & Co. |

Asset-Based Loans | Not a Commitment to Lend | Traditional Mortgages: | NMLS: 1795353 | Programs Subject to Change | Restrictions Apply | For Industry Use Only | No Legal Advice Provided | Loans & Real Estate Services Not Available in All States | All Offers Subject to Qualification & Applicable Laws