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Any hope?

tag
Anonymous
Not applicable

Any hope?

Ok, I am frustrated and dont know what to do. I dont get these scores, they are just all over the place, despite my best efforts. I have paid down as much as I can. I want to build a house that will cost 206,000. I own the 19 acres (worth around 22-25K per acre) free and clear, have the deed. My scores today were :
 
TU 629
Eq  630
EXP 619  (they hate me)
 
Do i have any hope of getting a loan?
Any suggestions?
My debt ratio is low and I make about 120K year
have rented for the last 5 years at 1200/mo and have a letter from the landlord stating I pay on time and have never been late...
 
please help
 
thanks
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