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Fico score 638 could I get a mortgage

I lost my job last year and got way behind on my mortgage payments. I have since sold the house last month so all of my accounts are now current.  The mortgage is the only late payment I have had in the last year.  Is it to soon to get a mortgage?  My fico score is 638.
  • July 15 2012 - US
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Answers (2)

Were you more than 30 days late on the mortgage? Thank you
  • July 15 2012
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Once it is over a year then you can apply for an FHA loan. If you can pay the mortgage plus any monthly debts/payments, plus meet all the other guidelines and overlays, then there are plenty of lenders that go down to a 620.
  • July 15 2012
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