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Can I get an approval for a 203K loan with my 650 middle credit score?
Yes, the criteria for FHA 203K is the same as FHA loans. I am in the process of doing one right now. Good luck with it though because it has been such a rollercoaster ride that has not ended yet for me.
Also, be aware that only certain banks do those loans. I am using Wells Fargo.
http://www.hud.gov/ll/code/llslcrit.cfm
I was surprised that so many small community banks were doing 203K paper. I called Wells and the lady there quoted phone numbers,
7 1/4% and 3 1/2 points. I told I'm all set, it's a little too competative out there.