Angie, your middle score is what the banks will look at.
It might not make much sense, but if your scores are 620, 720 and 721, then you are considered a 720.
If your middle FICO is over 620 then you should have no problem getting an FHA loan as long as you have a good work history and downpayment money in the bank.
The bank might make you payoff your collections and judgements but it sounds like you've already taken care of that.
Look for any FHA approved lender in your area and you should be fine as far as financing goes.
Here is a link to follow for an FHA lender in your area http://www.hud.gov/ll/code/llslcrit.cfm .
Hope this was helpful.