I have recently relocated and have just sold and closed on my old house. My fico's are tr-683 ex-703 eq- 660 / wife tr- 681 ex- 700 eq- 668. I have a cc charge-off from 2003 (it has been paid in full to CA but remains as charge-off via BOA) and numerous lates from 18 mos - 4 years ago. Combined income is $150,000 and we have $80,000 cash to put down. We are looking at a $560,000 loan minus any available down paymt. Any thoughts on our chances and possible rates?