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I had an approve/eligible with a 620+ score. I had a few collections that were being disputed. After removing the dispute my score is down in the 600-609 range. Rapid rescore is still trying to remove a collection that has been paid.
I do have 4 collections that were reported in 2010 and 2011.
My DTI would be questionable depending on how they look at the collections. It would be around the 45%-50% DTI.
Based on the pre-approval we now have a signed purchase agreement with a financing contingency and need to get this done.
Any recommendation for an FHA broker that can get this done fast?
I know there will be more questions as I haven't listed every detail. The purchase is 308K, my income is around $10K/month.
Why can't you go with your current lender? Or do they require a 620 score? Do you not have faith in the rapid rescore process getting your score where you need it to be?
Did they re-run automated underwriting with the 600-609 scores? If so, did it come back as an Approve/Eligible or was it a Refer?