There are many sources of funding available ! With you have 600 plus scores, i would advise you to shop lenders without having your credit pulled. If you contact someone ant they won't talk to you regarding their programs then you need to move on.. You need to know it you and the broker fits !
Not if your credit score and the broker fits.. Good Luck...

Based solely off your credit scores, yes.

$8k credit yes, if your first time homebuyers.

If you need more income for qualifying then adding your parents as co-signers is fine but really does nothing more because it will be you & your spouse's credit scores that will matter as you two are the owner occupants.

Any further financing questions let me know and good luck.

You are in luck. There are still lenders that can provide FHA loans with credit scores as low as 580. Of course, if you could get y our spouse's score over 620, that would save you some money (both discount points and interest rate adjustment) that come with the lower FICO scores.

If you would like to discuss this further, and allow me to introduce you to two great lenders who can probably help you out, contact me through my profile or by phone. Dare to Dream.

Shel-lee Davis
Real Estate Consultant
RE/MAX Palos Verdes Realty
http://shel-lee.listingbook.com

you do meet the minimum credit score requirement, but the lender will also consider income as a factor for how much you can qualify for. You definitely can get the 8k credit if you purchase a home before Dec 1st.
Pls let me know if I can help!

Nicole Lindler
310-694-2288

Hi,

I minimum fico score for fha is 600. So you and your spouse can qualify.

Contact my lender Al Rivera (562) 587-5284