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My scores are low due to recent new accounts and inq's.
TU 705 / EX 651 / EQ 669
My income as self employed consultant around $200 K / Year
Wife works for state and income $65K / Year
I can put 10% down towards the mortgage.
I found a property that is in NJ and Foreclosed by Bank.
What are my chances of getting approved for a Mortgage loan?
It will depend entirely on how much you claim on your taxes and can document. There are no stated loans (for the post part) and all loans that have good terms/ rates you have to document the income. It will also depend on the amount of monthly debt.
With your scores you will want to take a look at your options but you can probably qualify for both the FHA programs and the Conventional programs
Good luck
brian