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What is a good fico score to obtain a 15-30 year fixed mortgage via FHA or other available loan types for 2 years of credit history? I have a great job and am preparing to purchase in 2010 when my credit hits the two year mark. Presently my scores are 620 and 602 - experian I do not know. No baddies. 6 inquiries - two from credit cards, 2 from the bank when they opened my checking and savings accounts, 1 from wireless company where I opened my account, 1 from target who denied me for insufficient credit.
I only have two credit cards $1500 limit and $500 - utilization is high, but I will be paying it off rather quickly.
most lenders are 620
pay down some revolving and you will be fine
most lenders are 620
pay down some revolving and you will be fine
Thank you for responding. What is a good downpayment size (in percentage terms)?