II woulld contact your favorite lender, they would be in a bettter position to answer your question. However, based on my experience with FHA buyers, I understand that the minimum score is 620. If I was you I would file for a loan using the highest score, which is 715. There are people that repair your credit scores, perhaps it would be worth looking into it so tht both of you can apply for the loan and use both incomes to qualify a great loan.
Natalie Aguilar Team
First Time Buyer Special