Mortgage approval with 2 charge offs??

[jay0]

I have two charged off CC accounts from 2010, an unpaid first premier CC that shows a $515 balance and a Chase that shows a 0 balance paid. I also have a small $310 collection from an old cell phone bill that's even older.

My middle FICO score is 660, good credit history ever since 2010, what obstacles would I encounter trying to get an FHA mortgage with this situation?

[DallasLoanGuy]

the baddies are a part of your overall credit profile and is considered in the approval process.

most people get approved thru automated underwriting and then those accounts become nothing really.

important:  fha doesnt require them to be paid off. some banks do.  real simple: if the bank does, change banks

[jay0]

Thank you!