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Laurenlou wrote:My current scores are in my siggy...I have 4 C/os- 2 paid, 2 unpaid. The 2 that are unpaid are $3500 and $1100. DOLA on these is 10/06. dont touch them until you apply.$55000 salary, same company for 2.5 years. No late pays on my current CCs or car payment. great2 questions:1. Should I pay those 2 co's off? NOT UNTIL AFTER YOU APPLY If I do, it would reset the DOLA to be current- YES would I have to wait 2 years after that to qualify for FHA? not necessarily2. Do you think I could qualify for FHA in the next couple of months without paying those off? looks good so far.I am looking at purchasing a home around $130-140K in Dallas, TX. you mean: The 'Great State' of TexasThanks!