DW and I are putting our house on the market next Friday. When should we start the process for pre-qualification? Also, we're not sure who we should apply with. I know Wells Fargo has a lot of experience with FHA, and we're considering them, but what about if we want to purchase a spec home from a builder? Is it better to go through a company like WF, apply with a mortgage broker, or find a community and go for it with their lender? Our scores are right around the 640 minimum mid-score required for FHA.
AMEX PRG - NPSL I AMEX Everyday Preferred - $34.8k I Capital One Venture - $20k I Chase Sapphire Preferred - $25.5k I Chase Southwest Rapid Rewards Premier - $20.7k I Barclay Arrival + - $10k I Capital One Quicksilver - $10k I NFCU Flagship Rewards Visa Signature - $15k I NASA FCU - $10k I Texell FCU Visa - $5k I Chase Freedom - $9.9k I Citi Double Cash - $7.8k I Discover IT - $5k I NFCU CLOC - $15k I Total Unsecured Credit - $188,700
EQ FICO - 714 (5/24/16) I TU FICO - 772 (5/24/16) I EX FICO - 770 (5/24/16)
