I work with a lot of buyers being a buyers agent in this USDA area and I recommend Cody Steinmann with Pinnacle Bank and Alpine Mortgage, his number is 360-991-8920, he can be reached weekends, holidays, evenings and just about anytime and why I enjoy working with him. As for your scores, if both are on the loan it is my experience 640 is the minimum lender pulled mid score needed, not a consumer credit pull as those are typically higher. Give him or myself a call as we are always happy to help and help guide through the process.
Troy E. Jensen, Broker
Professional Realty Services of Washington, Inc
MBA, BS, BA, AAS, PSS
"Everything should be made as simple as possible, but not simpler." Einstein
503-320-0925 & email@example.com
We do a lot with the USDA loan and Chris is very excellent with answering questions and assisting buyers get where they need to go. I have been continuously impressed with his communication with and customer service for buyers.
Best of Luck!
I deal with this all the time and the lender I have used is Cody Steinmann 360-991-8920. If your scores are a little low he is very good at ways to bring them up. Scores are just one criteria though as you Debt to income(DTI) also plays a large part in qualifications. Give him a call and pick his brain, I have worked with him the past 7 years.
I don't know for sure that you can qualify, but here are three excellent lenders who will be
able to tell you in a 10 or 15 minute phone interview, and if you can't qualify yet, they will
tell you how to get ready in the quickest way.