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I've been doing some research on the USDA loans, which sound perfect for our situation, however I have a question.
What exactly is the streamlined process? I know that if your scores are 620+ it makes it easier to qualify, but how? From what I read it seems like with a 620 score they'll pretty much ignore anything else on your credit, is this true? We have several collections and charged off accounts between the two of us.. If we have 620 scores will these matter? none of them are recent. If you do have a 620 score, what other credit requirements are there? and from what I understand, LO can put their own stipulations in there as well, what do they generally look for in order to qualify you?
here's a link to previously posted info that might help you
http://ficoforums.myfico.com/fico/board/message?board.id=loans&thread.id=33483
We are finally homeowners!!
Closed May 5th-30 yr fixed at 5.25%.