There are other factors that need to be evaluated in order to determine whether or not you qualify for a mortgage, Credit score is only one factor, and a 633 score doesn't necessarily stop you from qualifying assuming all other areas of your file meet guidelines. FHA min. score requirements are 580. Speaking with a qualified mortgage professional (one is licensed and trained) is advisable and I would certainly being willing to discuss it with you. Please visit my profile, I am the owner of 7th Level Mortgage, an FHA Delegated Underwriter and licensed Mortgage Loan Officer.
Anthony M. Piccone
7th Level Mortgage, LLC