FHA loan with NSF in bank statements??Am preapproved for an FHA loan, 5% down, have plenty in the bank for closing costs plus 3 or 4 months reserves. No credit card debt (though I have open cards, going back 19 years), just car loan and student loans. Credit score not great -- 630 -- because of late payments a year ago. Income high, debt to income levels fine; back end debt ratio will be 36%. HOWEVER. While I was switching bank accounts last month, I messed up and I have a couple of NSFs on my account. Just didn't handle the switch-over well, plus paid some unexpected (and large) medical bills for my kids during that time frame. I'm hoping my income, plus the reserves, plus the debt ratio, will overcome the NSFs but I am horribly nervous and, frankly, embarrassed. Is it likely to sink the loan? November 05 2010 - Boston00YesReport 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.