It looks like you need a Rapid Rescore and a pre-approval letter and your all set. I can adjust your credit score up to a 100 points in 72 hours. Dont let your score hold you back.
Give me a cal and I will rescore you for free.
My firm is a direct lender, and we can finance as low as a 580 score. If your husband's score is below that, we can still help as we offer free credit repair. Please call me anytime at the numbers below to discuss your options in greater detail.
500 W. Cypress Creek Rd, Suite 330
Fort Lauderdale, FL. 33309
office 954-771-7715 x104
Florida Mortgage Lender
Like some of the other responses suggest, you need to speak to a mortgage professional that at least offers a possibility to do this loan. We still have lenders that will allow a score down to 530. Most lenders require a 620, but you are very close to that already. Now, on the other hand if your husbands credit is well below that but he is the bread winner, for lack of better expressions, then we may have a problem. Have you pulled your own credit recently? If you would like me to evaluate your credit for you, we generally can advise you of how to increase your score dramatically within a short period of time to put you in a better position to finance a home.
Joshua Lerette - The Tampa Bay Mortgage Pro
Innovative Mortgage Services, Inc.
Call me at 239-210-1356 or email me at firstname.lastname@example.org for further information and a list of available homes.
Zivkovic & Associates RE Services, LLC
I would have to look at both incomes and credit to give you a solid answer, your income could be enough to qualify, have you applied?
If I can be of any assistance please let me know.