Credit scores can make or break a deal, BUT perhaps not as much as you have been led to believe.Yes, most lenders want a 640 score or better for their Conventioanl,FHA,USDA,or VA approvals,BUT there are lenders that will approve the buyer with less attractive scores. How about FHA,USDA,and VA approvals to 580 scores? How about FHA approvals considered to 530 scores? Yes, there are programs with slightly higher % rates to accomodate these buyers.We have these programs. Perhaps you do not know what to advise a client in order to help increase their scores, so that a purchase can occur in a few months and not be lost forever? Call us- DIVERSIFIED MORTGAGE BROKERS-SERVING CENTRAL VIRGINIA AND BEYOND FOR 26 YEARS- Tel: 434-237-3143, Email: dbi4009@aol.com, Web: www.diversifiedmortbrokers.com . WE EDUCATE & DELIVER !