First step in my opinion is find a mortgage person.
Min score can differ from Bank to Bank and program to program for instance when I talked to Wells Fargo they told me their min was 640 - below others , altho they had just raised it.
I talked to about 10 diff mortgage people at the recomendations of friends and family..For us we decided to go with a smaller company ..they were able to get us approved for about $20,000 more then any of the big banks , Wells/BOA/Chase
Some I talked to were not real helpful - if you run into this - MOVE ON
Find someone with experience working with people in your credit bracket - someone who is willing to give advice on best steps for you to follow if you arent in a position to buy yet
Dont get me wrong , Its GREAT to listen to other personal experiences via this website - and keep doing it..But your BEST bet is going to be asking these questions to someone who can give you answers specific to your situation.
If you havent already - pull yours and your husbands all 3 reports from annual credit report .com.. Know your scores and take that info along with what I listed above (total car payment credit card payment and balances due) to the mortgage person and have them analyze your situation.
