I recently was pre-approved for a FHA 203k. I was told by my loan officer that FHA was moving towards a minimum score of 640 and that the bank was already making that a requirement. I don't think all banks have made that switch yet but with the fallout from the housing meltdown still affecting banks, I wouldn't be surprised if most banks move towards a 640 minimum as well.
Also, why did you dispute ALL the negative items on your credit report? Did you disagree with all of them? I'm asking because most mortgage companies require that nothing be listed as "disputed by consumer" before they approved you for your loan.
Starting Score: TU 599 EQ 608