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Check out www.hud.gov. Your salary in your state/county may qualify you for downpayment assistance programs through the federal gov. Having money to put down can help offset trouble that your credit reports/scores can/will cause
shalane85 wrote:Can anyone post their experiences, bad or good, getting pre-approved for an FHA loan with credit scores 580 and lower. I know everyones situation is different but I'd like to hear anything anyone cares to share as I am waiting pre-approval for an FHA loan with Bank of America.Currently my scores are 561,571,581. No lates for 12 months, except an error on my report from capitol one that I was late 9/2007. My income is 35,100. I have about 2k saved. I pay out $336 a month in debt so I guess my DTI is okay. All of my past collection accounts are at least 12 months old and all are paid off. After reading some of the posts I'm not so sure I will be approved. But I should find out tomorrow. Wish me luck! But anyone have any stories please feel free. I need all the encouragement I can get.