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You might see a small bump...the mortgage scores seem to move slower...I personally would wait a bit even if a bank did the loan at your current scores..there's some that will...if everything else in your profile pass underwriting....I mentioned waiting cause with scores that low, typically a FHA 203k or b would mean bringing more money to the table for lower scores..I think the wording of 3.5% down is what catches everyone a lender can call for more down basing it off your middle score and full file. Typically with a mortage middle fico of 565 is where you stand if your EQ:545 TU:580 EX565. The recommended on a loan is at or above 580 on the middle score with a max LTV at 96.5% and scores between 500 and 579 is a max LTV of 90%.if you're comfortable with at least coming withh 10% down factoring in reno cost on the loan...you may be golden but that interest rate and fees would be killer.