Cain I qualify

[jwpezd]

Okay here it is
My scores 672 TU 646 EQ 635 EX
Wife is 650 and up on all three.
No collections
No lates for right a year
69,800 combined income on w2
My wife has been at the same employer for three years
I had been with the same employer for six years but took a new job in August in the same field. I went from managing retail sales to a sakes role with a financial institution. I took one day off between jobs.
Our total debt is around 750 a month.
Looking at a home priced at 200k
Have enough Down for FHA
looking to get an FHA loan before rule changes

[Anonymous]

Yep. Everything should go through just fine for the both of you. Good luck on your home search! :-)

[jwpezd]

My job change won't have an impact??

[Anonymous]

It shouldn't because you didn't change careers.

[Anonymous]

Where did you get scores from?

Thats the first question. If they arent FICO scores you may or may not qualify. Rates have been increasing also, so the amount of home you want to purchase seems okay today, but may not be okay tomorrow.

[jwpezd]

Both TU and EQ are from here. Experian is the crapshoot.

[Anonymous]

Well you are good to go then based on you scores. Just realize the TU score from this site is different from what most lenders use. So your TU score could be slightly higher or lower. Mines ended up being 16 pts higher than myfico. :-)

[Anonymous]

You should be good as mentioned. Good luck and start house shopping

[jwpezd]

We are thinking about new construction. Any thoughts or ideas on that?

[Anonymous]

New construction, almost completed construction, doesnt matter. It is what makes you happy that matters, just make sure you qualify for the amount of the home you are looking at.