620 credit score
2 year employment
3.5% or more down payment
Try lower your debt and credit scores will increase
Also speak with mortgage broker for suggestions.
National Featured Realtor and Consultant, Mortgage Loan Officer, Credit Repair Lecturer
Follow me on Twitter: http://twitter.com/Lynn911
I can do loans in California so feel free to contact me if you would like me to help. My toll free number is 877-933-3330 and my office number is 530-223-6244.
I would be more than happy to assist you in qualifying for an FHA loan. I do not need any specific minimum credit score to qualify your loan so a 606 is fine as far as score goes. Your income also seems very strong so you should do well to qualify.
If you would like to call and speak with me, you can do so at any time.
Bank of America Home Loans