# @raymiramontes_realestate on Instagram

- **Type:** Video
- **Original URL:** https://www.instagram.com/p/DX4Vpl8jVls
- **Gondola URL:** https://gondola.cc/posts/65090856-raymiramontes-realestate-instagram
- **Thumbnail:** https://img.gondola.cc/tr:w-,h-,fo-auto/postThumbnails/7663ecaaf7.jpg
- **Posted:** 2026-05-03T14:43:56.000+00:00
- **Account Owner:** Ray Miramontes | CA Realtor (@raymiramontes_realestate) — https://gondola.cc/raymiramontes_realestate

## Caption

FHA loan low credit score first time home buyer California 580 credit score mortgage

🚨 Your credit score is NOT the reason you can't buy a home.

📲 Text me NOW: 562-600-9793

Most people think their credit has to be perfect to qualify for a mortgage. That's one of the biggest myths in real estate.

Here's the truth:
✅ 580 credit score → FHA loan, 3.5% down
✅ 500–579 credit score → FHA loan, 10% down
✅ 580 credit score → VA loan, 0% down

Yes — a higher score gets you a better rate and more options. But a less-than-perfect score does not mean you can't buy. Don't let that be the reason you stay a renter.

Text me — let's look at your actual numbers together.

👇 Tag someone who needs to hear this.

#CreditScore #FirstTimeHomeBuyer #FHALoan #VALoan #CaliforniaRealEstate #HomeBuyingTips #DidYouKnow #LongBeachRealEstate #SoCalRealEstate #RealEstateTips #RayMiramontes #MiraRealEstate #YouCanBuy #MortgageTips #DontWait

## Stats

- **Views:** 361
- **Likes:** 18
- **Shares:** 0
- **Comments:** 0

## Tags

creditscore, socalrealestate, didyouknow, raymiramontes, dontwait, homebuyingtips, mortgagetips, youcanbuy, realestatetips, valoan, mirarealestate, firsttimehomebuyer, californiarealestate, fhaloan, longbeachrealestate

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