Best of Luck,
A 642 score will beacceptable for FHA with 3.50 as the required downpayment. There are other factors that will determine your ability to get a mortgage. Rental history, work history, saving pattern, etc.
You are welcome to contact me for a free mortgage approval. If you have issues that need to be resolved we can assist you in resolving them so that you may obtain a mortgage.
Camille Marotta 732-539-9300 firstname.lastname@example.org
Branch Manager NMLS 9838
Residential home Funding
7 Pelican Drive, Suite 3
Bayville, NJ 08721