Would I qualify?I am looking into buying my first home. Currently in the process of getting prequalified for a loan but things don't look good. The lender I have been talking to is not being helpful at this point so I don't know where I stand. He pulled my credit and its b/w 608-628. I have one bad thing on it from 2007 for an $800 cell phone bill-not making payments on this. I opened a secured credit card through my bank in February and have been paying it off every month. This did help my score. The lender said my credit was workable but needed to verify credit lines. I gave them 6 lines and I think they only verified 4 or 5. He said they did not help my score but didnt tell me why. They were my rent, power bill, gas bill, life insurance, garbage disposal, and car insurance. Now he is wanting me to try for a USDA loan when the gov't opens back up. I am trying to get a no down payment, no closing costs loan. He didnt tell what all loans he had looked into for me. Also, he didn't get any type of income information from me.So, I am wondering if you can tell me from this information what happened and what you would recommend. The company he works for is an "affiliate of wells fargo home mortgage" so that may be the mortgage company he was going through. Thanks!October 16 2013 - Birmingham00YesReport 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.