Hi Andi - Definitely talk to a lender who is experienced in FHA loans...they are much more flexible with credit score. You will need to have 3.5% of the sales amount for the down payment but can have the seller pay all the closing costs and some other items. You may want to check out http://www.goodmortgage.com as they do great work and I believe they lend in New York.

Let me know if I can provide you with any other info,

Randall Sandin
843-209-9667
rsandin@carolinaone.com

Andi, have you tried going to the Hud site...http://www.hud.gov/buying/loans.cfm

It will give some information on loan qualifications and calculators to get a general idea of loan amounts you could qualify for. It's a good place to get an idea of what to expect.

Good luck, Dunes

Andi.

Try Sharon Starke with Continental Home Loans. She is a great FHA focused lender, and will help you as best she can. Reach her at her office at 800-540-8838, x4148 or on her cell at 516-769-4622. Best of luck

Douglas Montgomery
HomeNY Corp.

If you contact me off line at Gail@GailGladstone.com, I will be happy to refer you to the one person I know who will make it happen if it can happen and if it is not possiblee, will help you get to the point you will need to make it happen.