6 months is generally the rule when apping before a mortgage.  With that said it wouldn't ruin your chances for anything.  You may just have to explain them.

---

Starting Score: 504

Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge