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@Anonymous wrote:
Last spring, my mid-score was 555 and my husband's was over 580, and we were told by two brokers that they couldn't do anything under 560. For a while, we thought we might have to move for change of job and I was really worried about our prospects, even with 20-25% down, low DTI, and good retirement savings. Should I just have called around some more?
Those brokers were probably trying to fit you into a sub-prime loan program, thus the reason they said you needed a particular score last spring. If your situation is particular, you'd want to check around with 3-4 different loan officers/brokers to find out what your options are.
based on my recent experience, I woudl shoot for a 620 midscore if you could. That seems to be the point at which it eases up a bit on approval. We were at 583 midscore and although moving forward, it was a battle. After getting a few things taken care of, we were up above 620 midscore and all of a sudden we breazed through the UW