Can I get a loan? Should I do it now? Fico noob alert :)

[DallasLoanGuy]

The bad thing about countrywide is that you never know what you are going to get.

A seasoned loan veteran or some pimple faced kid right out of college.

[Anonymous]

True - but I think that's the case for many places.

We got a seasoned vet.

[Anonymous]

Another update.  My score is up to 680 and now I have had 14 items deleted from my reports.  At what point will I qualify for a better rate than FHA? 

[ShanetheMortgageMan]

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@Anonymous wrote:
Another update.  My score is up to 680 and now I have had 14 items deleted from my reports.  At what point will I qualify for a better rate than FHA? 

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When you get a 740 score or have 40% equity/down payment, then at that point you'd qualify for the lowest conforming interest rates... which right now are at most .125% lower than FHA rates.