Dh has scores (real ones) in the high 590's, low 600's. Main thing dragging them down is util, which we are addressing.
We are selling a house due to job relocation and have contract on it. Planning on paying down more util when it sells, which should put us solidly in the 620's.
We can't do USDA loans due to income. If we have 10 percent down and are looking at a house under 225 with tax returns showing income of 150 or so, should we be able to get a loan without a co-signer? If not quite to the 620 range, do we wait? Do we need to wait for a higher FICO than 620 to get the loan? I know 20 percent is magic number for no PMI, but that may be more than we can do right now.
