What did you do to get your scores bumped up 100 points? I am in the low 500's and Wells Fargo told me I need to be at least at 600 to get a 1st time home loan. I am just curious how you got your score up that quickly.
Low cc util is a big part (I'm now less than 5%). I did a PFD for 3 collection accounts and paid off one other cc chargeoff, which still appears. What are your current derogs?
Good luck on your mortgage...we too are building our new/first house and got preapproved with my mid score at 617.