My wife and I are wanting to build a home within the next year. We have had our current home for 6 years and want to put it on the market soon. Gross income is around 155k/year. DTI is around 32 mainly due to a large amount of student loans. Looking to build for around 250k. I have one mortgage score that is quite a bit lower than the others. My fico 2 is 735, fico 4 is 732 and fico 5 is 667. The only negative thing that I can see on the fico 2 is a the remaining balance of mortgage/non-mortgage installment loans is too large. I assume that is my student loans and they aren't going anywhere soon anytime soon. Will that score have a large negative effect on us getting approved or will they likely just use the middle score?
Thanks!
