I had my scores pulled today & I have a 620 mid score. I have a pre-approval through FGMC, but rate is in the 4's so I'd like to shop around. Contacted WF & they told me they just raised requirements to 640. Amerifirst told me they also need to see 640 - possible a 620 but didn't sound very likely. Anyone else know of any lenders with a competitive rate at 620?
I do have a chance that score will be up to 640 once myvalances are updated to zero on a couple of cards....but would like some options in the meantime.
Starting Score: 534 (10.30.12)