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It depends on the day = it's a gamble - rates change multiple times a day, I'd bet 4.5-4.75.
over 5%, whereas if you cross 700/720, you will be well under. Thus putting you well below 5% and saving you thousands over the course of a mortgage.
My spouse and I met with the mortgage specialist and she mentioned since we would be getting into an FHA mortgage we would need to put I believe 3.5% down.
After pulling our CBR my midscore was 582 (not good!) and my spouse was a 613...she did mention that even with my 582 we still qualify. There were a couple of factors needing to be met before we proceeded:
-Had 3 accounts that showed in dispute and I needed to contact the CRA's to remove dispute statement from all accounts
-Get my credit card debt down to about 50% on each card I have...luckily these are not high limit cards
We will be revisiting the mortgage specialist in about 90 days.....any other tips on how I can raise my score from now til then???
I am really looking forward to and hoping I can achieve this goal!
Any feedback or advice?