We can help you with the purchase and close on your home for May
With a minimum middle credit score of 620 for all borrowers involved with FHA financing.
I live and work locally in Massachusetts, You can reach me direct at 508-733-4858
Believe it or not, paying the collection did more damage than good. I've worked with credit repair companies and they often advise against paying off an old collection at least until the lender requires it as a condition or your mortgage is closed.
There are other credit repair steps you can take, but you don't have much time. RapidRescore is a service I've used who will assess your situation up front and tell you how many points they believe they can improve your score. If it is sufficient to resolve the issues it can be worth the fee. Have your lender investigate the link below..
The other option is Wells Fargo, through their bank branches are advertising lower qualifying scores to obtain a mortgage.