what are you thoughts and ideas behing wanting to add credit card debt into a home purchase? what price range are you looking at?
you need 3-4 open active ontime tradelines (creditors - good paying accounts) over the last 12 months. They can be non-traditional trades like cancelled rent checks, car insurance, cell phone payments, utilitiy bills etc, to qualify for FHA. they also keep hiking their minimum credit score requirements...... Lower scores (minimum 500) are required to have a manual underwrite.