FHA Loan...Is it possible?!? Advice needed please!!My husband and I are looking to get pre approved for a mortgage. We are currently working with Bank Of America, but I would like to have another choice. My husband is commission based and YTD he has made a little over 50K. Last year his YTD was 72K and the year before that it was only 18K due to taking 6 months off work. I make about 25K a year and have been employed for the same company for 2 yrs. My husband has had the same job for 4 yrs except the 6 months he was out of work after that he went back to the same company.Our credit is I guess what you would call fair, his is 640 and mine is 617. I had some collections on mine and have paid a couple of them off to try to get my score to 620, per Bank of America so that they can do a rapid rescore. I thought this would hurt my credit more???We don't have hardly any debt except our car notes around $1200.00 a month and he has a Kays credit card that is half below it's limit. I would like to see if we qualify for an FHA loan. We would have around 10K to put down and are looking in the price range of $200,000-$250,000. what are the odds? How will they average his income?April 17 2011 - Lawrenceville00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.