As a Realtor I work with a number of great mortgage guys. I you would like a third party opinion I would be happy to send along thier names.
Erica Jones Starkey
JSCA Real Estate Group
Providing Superior Solutions for Your Individual Real Estate Needs
Right now the "Magic Number" is a mid-score of 620 or higher. If you are interested in knowing your score without actually having your credit pulled please contact me directly. Based on the results, I can advise you on how to improve your credit immediately. This is a free service I provide.
An FHA loan will be the most accommodating for "not so perfect" credit, and there are many more benefis as well.
MBA, GRI, ABR, e-PRO, CMPS, RE Masters
REALTORÂ® / Mortgage Banker-Broker / Certified Mortgage Planning Specialist
I'm sure as anyone would ask first, what to you means "not so perfect".
I would be happy to guide you. If not able to buy now I would be happy to offer free of charge a consultation to get you and your family to where you need to be.