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Christy,Well done on getting your credit under control. Keep on this track and your scores will soon be over 700!FHA lenders come in all stripes. We have programs at 580+, but they require that you be able to prove your housing payment history with a cancelled check or a verification of rent from a management company. IN addition, they are going to require that you have your own funds of at least 3.5% of the purchase price into the deal.In addition, if your score was hit due to a collection, short sale, foreclosure, or bankruptcy, you may not qualify if these criteria are not satisfactorily met.If you are calling around and discussing with other lenders, find out:1. How many FHA loans have you done under 620?2. What additional "Overlays" are required beyond FHA's requirements?3. What are the credit requirements aside from score?4. What is the rate?You may be better off taking another month or so and work on your score to get it over 620 so that you can meet a lot of lender's standard FHA program. You will get a better rate to boot.If you are looking in VA, PA, MD or FL, I may be able to assist.Good luck.
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