FHA Loan?Hello, I have a mid score of 639 lingering. My fiance has a mid score of 670. Our combined income is 99K. (Mine 60, His 39)He has minor credit issues, none in collection, his negative accounts are all 5 years old and under 1200. I have 1 charge off that is 6 years old for an auto 11k, and a few collections prob totaling 5K all are about 6 years old. My aunt is willing to gift us the downpayment and closing up to 15K.I have been employed same place for over 3 years, same industry for 8.He was unemployed for from 2004 to Jan 2013. Can we qualify for a mortgage? There is a great home on the market and Im sure I could sellers assist its sitting empty. I only have about 3K in my bank account right now, dont know if that matters with aged reserves.Wondering if we could realistically take advantage of our dream home being empty right now.August 29 2013 - Barclay-Kingston00YesReport 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.