I would suggest looking into the credit report and see what is there that can be cleaned, cleared, fixed, and or paid off or paid down. Remember keep your balances on CC and revolving to 35% of the high credit limit to add points to the credit report. Most investors and secondary traditional market place are wanting to see a 640 middle score these days. So I would start with working on the credit to see where you can go from there.
Sr. Mortgage Loan Officer
Silverton Mortgage Specialist