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Any lenders in Florida that will approve USDA with 630 middle score? Have paid off a collection account that has not updated yet but already have an offer on house due to getting a pre approval letter. However, now they are saying we need to get it to 640. Can we get it approved at 630?
Most lenders are still looking for a 640 on USDA, but quite a few are going down to 620 these days. Most likely will be a manual underwrite, so rental history verification will be needed (if you rent).