Valued Contributor
Posts: 1,126
Registered: ‎08-29-2007
Re: every site i post a credit ? no-one awnsers...PLEASE help fico board
You might want to check out a FHA loan.  My scores are about where your scores are, but I am going to wait for one year to raise them.  The additional cost over the life of the loan due to higher interest rates is going to be very high.  Personally, I would wait 1 year and see if you can get it over 700. 
From other postings on this forum, people have received FHA loans with lower scores than yours, but you cannot have any baddies in the past 2 or 3 years.  Still, wait 1 year and get those scores over 700 (720 is better and 760 is the ulitmate help).
Good luck.  I am in your same situation.

Starting Score: 583 EQ, 612 EX, 569 TU
Current Score: 658 EQ, 648 EX, 618 TU
Goal Score: 720 EQ, 720 EX, 720 TU

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