Not really! I'm a realtor but just spoke to my trustworthy mortgage consultant who offers following: He can analyze your present credit (not just score) and, if feasible, submit a rapid rescore. He told me that within five days he was able to boost a client's score from 615-623 by simply paying down one of the balances.
If you are interested in pursuing, contact me. I'll connect you with the mortgage guy.
with friendly greetings,
Realty Executives Exceptional Realtors