Hi Nicole,

Call Wells Fargo - they have given me the best rates consistently for the last 10+ years. Provided your credit is good, you won't need to look elsewhere.

You SHOULD take steps to improve your credit as fast as possible - this is a very good thing for you. A quick list - Always always pay bills on time (even if only partial payments), pay off your credit cards, do NOT cancel credit cards.

Good credit gets you a better rate and saves you money on your mortgage. So, if you can improve your credit between now and Sept, then buy a house in Oct - you stlll get to use the $8000 credit and you'll do better in the long run than trying to rush into a house right now with an "ok credit score".

Nicole, you really need to speak with and get qualified by a mortgage lender. Specifically, your credit score will be a big determining factor in the type of mortgages you can qualify for. Generally speaking, if you have a credit score of 620 or higher, and meet the other requirements of the program, you should be able to qualify for an FHA mortgage with a low downpayment and very good rates. Please contact me directly if you would like to discuss this in more detail.
Ed Fallon
Lincoln Mortgage
Conshohocken, PA
610-308-9001
efallon@linc-mort.com

there is no need to pay a high interest rate. If your credit is OK, I have several good sources for you. Feel free to give me a call on my mobile anytime 724-433-7800.
Have a great day,
Scott Ludwick
Scott@ScottLudwick.com