Zillow Advice RSS: Question-Discussion-Guide,FHA and VA Loans,Albany- NY http://www.zillow.com/advice/Albany-NY/mortgage-fha-and-va-loans/question-discussion-guide/ Zillow Advice search results | Zillow Real Estate Can I roll closing costs into FHA loan in NYC http://www.zillow.com/advice-thread/Can-I-roll-closing-costs-into-FHA-loan-in-NYC/544085/ Looking at a property in Albany, NY.&nbsp; It's short sale, bank approved offer at 82,000.&nbsp; Tax assessment at 140,000.&nbsp; I have the 3.5% to put down, but don't have the cash in hand to cover closing costs.&nbsp; Are there any options for me? My wife and I make approximately $76,000, I have a 660 credit score, hers is around 620.<br \><br \>4 replies Wed, 04 Jun 2014 18:12:00 GMT http://www.zillow.com/advice-thread/Can-I-roll-closing-costs-into-FHA-loan-in-NYC/544085/ 2014-06-04T18:12:00Z Trying to get a mortgage with a 626 credit score http://www.zillow.com/advice-thread/Trying-to-get-a-mortgage-with-a-626-credit-score/499789/ I am trying to get a $50,000 mortgage on a house. I was denied by one Modular Home company as I did not have long enough lines of credit. My scores were 616,636 and 646. My gross monthly income is 2040 by myself and another 1000 from my boyfriend who I am also trying to get on the mortgage. He however has no credit score as he has not used any credit. I have a paid trasaction from my highschool tuition, a credit card balance that was taken off due to my identity being stolen and my student loans which are currently deffered. I only made 2 payments before they were deffered. I just took out last month a car loan for 447 a month. I just made my first payment. I am looking into getting a secured credit card. I really want this house. Even if I get a prequal letter stating that in 6 month I will be given a mortgage that is okay. I just want this to work out badly!! Does anyone have any suggestions??<br \><br \>3 replies Mon, 01 Jul 2013 02:31:00 GMT http://www.zillow.com/advice-thread/Trying-to-get-a-mortgage-with-a-626-credit-score/499789/ 2013-07-01T02:31:00Z