I am a realtor with Shorewest Realtors and I know that with your situation you should have no problem getting approved. I work with a great lender named Cindy Alivo and she makes magic happen. I would be more than happy to help you with your real estate needs.
Give her a call and she will get you closed on a house.
It is possible to get an FHA loan with a 622 credit score. I work with over 40 different lenders, some of which accept scores down to 500 for FHA. Let me know if you have any questions or would like to get started with a free professional assessment
Market Place Mortgage
Lombard, IL 60148
Phone: (630) 217-7013
Licensed in IL & WI
As a licensed and experienced Realtor®, I work closely with several local lenders who are typically able to qualify prospective purchasers for a loan with a credit score of 620. Please keep in mind though that the underwriting process and ultimate decision - whether manual or computer driven/automated - will depend on you and your wife's overall financial picture; to include income, as well as your debt to income ratio.
I'd be happy to provide you with some names of local lenders in the Tosa area who would be happy to speak with you over the telephone, or meet with you. Of course I would love an opportunity to assist you and your wife with your new home purchase as well.
Please contact me should you wish my assistance!
Mark Person, MBA