A little background. Been working on both mine and my husbands scores. Planned on starting the house journey in April. But we have idiots for landlords and decided to start looking now. My mid score 620 My husbands 630 We have 5k to put down but going fha and will be putting down 3.5%. After sending stubs, W2s, tax returns we Got a pre approval for 120k. Found a house, offered 87k seller pays closing. They agreed and sent over signed contract this morning. Having the inspection done tomorrow. Btw this is our first house. I started with this lender in July just seeing what we needed. I trust him, he’s helped us clean everything up. Still. I read a ton of horror stories. No latex in over a year. But we mis calculated and had one nsf fee last week. Thanks to this site I’ve cleaned up a ton. But still nervous.