Thank you for sharing your experience. I also live in NJ. My hubby and I will be looking to start the home buying process in the very near future. Our credit scores are similar to yours, so I'm hoping that your updates may give us some guidance.
Oops I logged in with my account when I was posting under husbands originally. So ginger1975= hindsightis2020
Usda rep called me on 3/31. Right away I was being denied because of the low sore she saw. I explained that was not the mid score which was alot higher. Then she moved onto my self employed income being too low and car loans too high. She said it would help to refinance which I've wanted to do but didn't want to touch our credit. Ran up to the credit union after work that day and applied. Both cars were refinanced saving us $210/month! I tried getting a hold of rep several times last week to update the refinance and that my husband started a new job so we now have his income. I decided to apply online Friday night 4/7. Rep called me 8am 4/10 with a list of papers needed (bank statements, tax returns, etc). Dropped that off with check for credit report this morning 4/11. Office is only 7 minutes away so that was convenient. Fingers crossed!
No news yet but it appears to be moving alone.
4/17/17 alert that they pulled our credit reports. Mid scores were 675 (dh) and 694 (me)
4/18/17 recieved letter in mail (why can't they call or email??) Requesting w2's for husband, employment and asset verication forms and 2 paystubs for husband. Since he recently started he does not have any yet. Told to send when he gets them.
4/19/17 emailed requested info minus paystubs
4/20/17 husbands employer received verification paperwork
4/21/17 recieved depositary verification for our bank to fill out
4/24/17 dropped off both completed forms to local USDA office by 9am
4/24/17 credit report check pending in bank acct
Really hoping to hear some good news this week. Mother in law was served court summons for foreclosure on 4/14. Would love to be moved out sooner rather than later.