Which FICO score does DHI Mortgage use?

[Anonymous]

My husband and I are in the process of purchasing a brand new DR Horton home, we are both military and are using the VA loan. We just PCS’d and couldn’t get approved for a loan until we had two incomes (my husband is a reservist and hadn’t found a full time job yet), well now he has one and our DTI is at 29%. Our regular FICO scores are good, but our mortgage FICO scores are a little low. My husbands middle mortgage FICO is a 607 and mine is a 621. Just wondering if DHI actually uses the mortgage FICO scores. I don’t want to reapply until our scores are where they need to be. Thanks!

[Anonymous]

We are using DHI Mortgage for our new build as well and yes, they do use your FICO mortgage scores. 

[me12345]

It would be the lower of both your Mid scores, so 607, that is what every VA lender would use.

How long until the home is built?

You still may have an opportunity to raise your scores.

Thanks,