FHA loan with 643 midscore?

[cseddio]

Hello

As i said my mid-score is is 643 but unfortunately I do have some late payments on my credit report.  I have 3 years of steady/documented income with the same employer.  How concerned should I be that my mortgage loan won't go through?

[Anonymous]

how recent are the lates, how many, any more than 30 days late.

One random 30 day late is not usually too much of an issue (but it can sometimes be if it is in the last year...)

Any pattern of lates going back over the last 24 months in particular will be an issue.

[cseddio]

Thanks for the response mickie.

Basically the situation is that my automatic payments to my student loans got screwed up and I ended up being late.  It comes up as 60 days late in May and then in July.  The real bummer is that it also comes up as 6 separate loans even though I only make one payment on them.  My payment history is clean other than that but it looks bad to me.