Am I ready for preapproval yet?

[ramrod]

Hello, I have been working hard to improve my credit so I can qualify for a mortgage. I have had so much success with my credit rebuilding with the tips and advice from the good people on this forum. Currently, my experian-649, TU-660, and Equifax-615 after starting Exp-525, TU-544, and Eq-560. I still have 2 baddies with Cavalry Port. I'm ready to check and see if I can get pre-approve for a FHA loan. I have a good employment history and I have never owned a home. My question is should I wait to try to improve my score  or should I wait to try to clear up my credit before I try for pre-approval? I'm in Michigan and my bank I informed me I need a 620 middle score to apply. Please advise. Thank you.

[StartingOver10]

Assuming you have w-2 type employment, go ahead and apply. Your scores seem to be fine from your post

[topa]

What are the baddies?

[TurboFX]

Your credit is good with FHA. Minmum fico is 620, some might want 640, a few are starting to go as low as 600. If income, down payment, assets are not a problem then your scores won't hinder you. Unless you have outstanding judgements/collections.