Naeema "Hey Red" Mansur
The lenders look at the middle score. As long as that is 620, you should be fine to close within 30 days once the contract gets to your lender. If your middle score is lower than 620, it may take longer to close your loan with underwriting (35-45 days), but you still should be able to get a loan. I have some referrals for a mortgage approval, one that helps with credit repair and is excellant! Contact me for more info at firstname.lastname@example.org (email).
Happy House Hunting!
Sheri Mapes the Cincy House Expert
As of Friday, I had rates available at 4.75%. I wouldn't recommend putting too much money down only because it's difficult to get access to the equity in your home in the current market if you would need it. The only way that I personally would put more than the required money down is if I wanted to buy more house and still wanted to keep the monthly payments lower. If you would like me to give you more information for what I have available, you can email me at email@example.com, or call my direct office line at 216-236-7266. I will be in the office at 9 am on Monday morning. Thank you for your question!
Sr. Mortgage Consultant
I'd highly recommend spending a few months pumping it up. Simple stuff for you: Pay off all credit cards, keep using them a bit but pay them off in full. Don't be late with any bills. Don't cancel any cards (you should have between 3-4 cards, perhaps 5).
For a mortage, I'd recommend Wells Fargo - they beat everyone's rate (including the ones from 2 mortgage brokers.