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Hi Nurse1231,
This shouldn't matter unless the credit report your broker is using expires & they have to pull a new one.
Ask your broker when the report on file expires & go from there.
@Anonymous wrote:
Thank you guys for the responses. I made too much so I didn’t qualify for the down payment assistance and came up with my own 3.5%. The broker said they already have a valid credit score and it will not expire by February 1st so we should be ok. I’ve been worried bc initially we were using the down payment assistance (before we found I made to much) and he told me I had to keep my 640. Also heard they would check my score again to make sure I kept it, maybe things have changed since It’s no longer an FHA loan with the down payment assistance?
I was told the same thing....that if I were to use the down payment assistance program...I would need a 640 middle score. Since I also made too much money...I was not able to use the down payment assistance program and therefore...My mortgage score could have been as low as 580 and still qualified for the FHA loan.
Either way, sounds like you should be good to go. Good luck with everything. Please report back when you close!! :-)