https://ficoforums.myfico.com/t5/Mortgage-Loans/Will-I-get-approved-for-a-mortgage-loan/m-p/1756578#M107784 Is that your middle score out of the three bureaus or your highest one? When applying for a mortgage, they pull all three scores and use the middle score. The score needs to be above a 640, which yours is, so you should be ok there. The question is, as already mentioned, what other things are on your credit and what is your income/debt ratio. If you have had foreclosures/short sales/bankruptcies recently, that could be a road block, but it depends on how recent they were. Tue, 18 Dec 2012 16:24:28 GMT Anonymous 2012-12-18T16:24:28Z https://ficoforums.myfico.com/t5/Mortgage-Loans/Will-I-get-approved-for-a-mortgage-loan/m-p/1756562#M107781 <P>My credit score is 650, will I get approved for a FHA Mortgage loan?</P> Tue, 18 Dec 2012 16:12:48 GMT https://ficoforums.myfico.com/t5/Mortgage-Loans/Will-I-get-approved-for-a-mortgage-loan/m-p/1756562#M107781 Anonymous 2012-12-18T16:12:48Z https://ficoforums.myfico.com/t5/Mortgage-Loans/Will-I-get-approved-for-a-mortgage-loan/m-p/1756566#M107782 <P>Depends on what kind of bad stuff you have recently on your report and if your income and DTI works.</P> Tue, 18 Dec 2012 16:19:32 GMT https://ficoforums.myfico.com/t5/Mortgage-Loans/Will-I-get-approved-for-a-mortgage-loan/m-p/1756566#M107782 tooleman694 2012-12-18T16:19:32Z https://ficoforums.myfico.com/t5/Mortgage-Loans/Will-I-get-approved-for-a-mortgage-loan/m-p/1756574#M107783 <P>No collections and 29% credit card utilization with income of $100K and house purchase of $160K</P> Tue, 18 Dec 2012 16:22:55 GMT https://ficoforums.myfico.com/t5/Mortgage-Loans/Will-I-get-approved-for-a-mortgage-loan/m-p/1756574#M107783 Anonymous 2012-12-18T16:22:55Z https://ficoforums.myfico.com/t5/Mortgage-Loans/Will-I-get-approved-for-a-mortgage-loan/m-p/1756578#M107784 Is that your middle score out of the three bureaus or your highest one? When applying for a mortgage, they pull all three scores and use the middle score. The score needs to be above a 640, which yours is, so you should be ok there. The question is, as already mentioned, what other things are on your credit and what is your income/debt ratio. If you have had foreclosures/short sales/bankruptcies recently, that could be a road block, but it depends on how recent they were. Tue, 18 Dec 2012 16:24:28 GMT https://ficoforums.myfico.com/t5/Mortgage-Loans/Will-I-get-approved-for-a-mortgage-loan/m-p/1756578#M107784 Anonymous 2012-12-18T16:24:28Z https://ficoforums.myfico.com/t5/Mortgage-Loans/Will-I-get-approved-for-a-mortgage-loan/m-p/1756588#M107785 <P>I have no collections.&nbsp; I do have balances on the credit cards at about half the limit.&nbsp; I am not sure of all 3 of my scores.&nbsp; That score just shows up on creditkarma.com</P> Tue, 18 Dec 2012 16:28:36 GMT https://ficoforums.myfico.com/t5/Mortgage-Loans/Will-I-get-approved-for-a-mortgage-loan/m-p/1756588#M107785 Anonymous 2012-12-18T16:28:36Z https://ficoforums.myfico.com/t5/Mortgage-Loans/Will-I-get-approved-for-a-mortgage-loan/m-p/1756598#M107786 <P>I just figured my DTI will be 32% with the new house payment.</P> Tue, 18 Dec 2012 16:33:36 GMT https://ficoforums.myfico.com/t5/Mortgage-Loans/Will-I-get-approved-for-a-mortgage-loan/m-p/1756598#M107786 Anonymous 2012-12-18T16:33:36Z https://ficoforums.myfico.com/t5/Mortgage-Loans/Will-I-get-approved-for-a-mortgage-loan/m-p/1756610#M107787 <P>Don't go by Credit Karma. Get your scores from MyFico.com.</P><P>&nbsp;</P><P>My Credit Karma score is 633, while the TransUnion credit score pulled on my mortgage application was 557. Luckily my Equifax was 672 and Experian 642.</P><P>&nbsp;</P><P>As for your debt to income, did you calculate all monthly debts that you owe...credit cards, auto loans, student loans (even if deferred), store cards? If 32% is your true DTI (including the new house payment, insurance, HOA fee, property taxes, and all other monthly debts) then that is very good, you need to generally be at 43% or lower though some lender will go above that by a generous amount.</P> Tue, 18 Dec 2012 16:43:00 GMT https://ficoforums.myfico.com/t5/Mortgage-Loans/Will-I-get-approved-for-a-mortgage-loan/m-p/1756610#M107787 Anonymous 2012-12-18T16:43:00Z https://ficoforums.myfico.com/t5/Mortgage-Loans/Will-I-get-approved-for-a-mortgage-loan/m-p/1756646#M107788 <P>100k a year income and a 160k home, yeah your DTI should be very low.</P> Tue, 18 Dec 2012 17:00:10 GMT https://ficoforums.myfico.com/t5/Mortgage-Loans/Will-I-get-approved-for-a-mortgage-loan/m-p/1756646#M107788 tooleman694 2012-12-18T17:00:10Z