My husband and I have made an offer on a home. His credit score is 676. Debt to income ratio is excellent. 2 trade lines car payment with almost 3 years no lates, credit card with 0 balance 1000 limit 1 year no lates and 3.5 yrs rent with no later. A few nsf's earlier in year not on the last 2 months. Some slow pays on utilities. I am still stressed about underwriting even though loan officer showed it to underwing before she gave us a prequal letter. How likely to get FHA loan? Just looking for a little peace of mind.
