I have found a place I like and tomorrow I meet with the builder's lender. He told me they are looking for 640 FICO and that's also what I need to qualify for FL's down payment assistance (up to $7500). This will allow me to know where I am at and where I need to be. I never thought I'd be looking into a new construction but visiting townhomes with my realtor (premature I know) and I really like this new construction I saw. I talked to the loan officer twice and he said if it's just a matter of score then he can do rapid rescore from me paying down some cards and write me a preapproval letter.
I'm wayyy more nervous then I should be. I know I have put a lot of work into my credit over the past 10 months. I will also rate shop by checking with NFCU if everything checks out right.
