How to Qualify for an FHA loan with a 620 Credit Score in Long Beach...
Unlock Homeownership in Long Beach with Just a 620 FICO
We help everyday buyers secure FHA financing — no perfect credit needed. Whether you're renting, relocating, or rebuilding credit, Long Beach 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 Long Beach with a 620 Score?
Don't guess. Don’t Google. I’ll show you exactly what it takes to get approved in Long Beach today.
These are the same questions we hear from Long Beach buyers every day...
🔍 Is 620 Good Enough for an FHA Loan?
🔍 What Are the FHA Guidelines in California?
🔍 Can I Buy a Home in Long Beach 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 Long Beach (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’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
FHA vs. Conventional vs. DSCR — Which Loan Fits Your California Strategy?
Trying to buy in today’s market? Here's a real breakdown of FHA, Conventional, and DSCR loan strategies — and which one makes sense for your goals. ...more
Loan Comparisons
July 02, 2025•2 min read
How a Temporary Buydown Can Save Your California Deal in 2025
Interest rates too high? Discover how California buyers are using temporary buydowns to lock deals, cut payments, and stay competitive in 2025’s shifting market. ...more
Loan Comparisons
June 26, 2025•2 min read
FHA Loans: A Flexible Path to Homeownership
Explore the benefits of FHA loans, including low down payment options and flexible credit requirements. Learn how the Troy Mire Team can help you secure the right loan—even if FHA doesn’t fit your nee... ...more
Loan Comparisons
March 27, 2025•2 min read
The FHA Process — Simplified
Here's what you get:
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!
"Let’s skip the guessing. Schedule a free 1-on-1 call, and let’s build your game plan"
COMPANY
CUSTOMER CARE
LEGAL
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