What type of mortgage loan can we expect?
Combining all 3 credit scores, I average 674. My spouse averages 630. We are both municipal employees with very stable jobs. We have a combined income of 120,000 and 30,000 in cash for down-payment. In the last 4 years we have never been late paying bills. An overpayment from Social Security, and a fraudulent account (just wrapped in court) is really damaging my report. Any advice would be greatly appreciated. Thanks