My first question would be... where did you get your numbers? When you pull your own credit report, whether it's a free one, or one you paid to access, you're not getting the report that a lender would get. The scores can vary. My answer will ALWAYS be to have a lender pull it and advise you personally on what to do in your particular situation. In addition to the scores maybe not being what you think they are, I've seen buyers with very high 700s range scores unable to buy because of WHAT is on their report, or because their debt-to-income ratios were all wrong. Call a reputable lender and get advice tailored to fit you. If you need a recommendation, contact me through my profile. I would be happy to pass on some contact information for local lenders.