I've been a member of myfico for awhile and finally stumbled across the board,good reading!
Heres my scenario... I'm a first time homebuyer(25 years old) and I'm trying to buy my childhood home. My fico floats from 590-620. At the moment its 600. I'm expecting 3rd party approval by the end of january(house is in short sale) so I don't have the time to get above 620 even though I'm trying my best!... Can somebody point me in the direction of a lender that will approve me at 600? I have a decent income of $53,000+ that I've grossed every year the past 5 years with the same employer ... 3.5% down payment isnt a problem. Heeeeelp
any credit cards you can pay down
loan officer could do a rapid rescore with new balances