FHA approval, but for a $1M home
There are banks that will lend above FHA limits but will want the credit score to be higher than 605. My suggestion for you is to go to someone that does credit repair and maybe they can bring your score up and then your options will be better. I can recommend some companies if you want.

Mortgage with fiance middle score 600, mine 720, combined income of 103,000 yearly in PA?
They always use the lower score so effectively if both of you are on the mortgage then the score would be 600. If you are able to qualify for the loan with your fiance then you are better off. They could still be on the deed. If you need their income then you could go FHA, though ideally most banks even with FHA...

Which is better for a first time home buyer, conventional or FHA?
It depends on your credit score and your downpayment. A FHA loan is beneficial for someone who has low credit and would like to put down less than 5%. If your credit is good and you want to put down more than 5% but less than 20% then you'll have to compare the rates and payment to see what is better. A...

What are the major differences between FHA and Conventional loans?
Plenty, but here is a nutshell:FHA charges an upfront mortgage insurance which is added to the loan amount and they charge a monthly MI for the life of the loan, where as Conventional will only charge a monthly MI if your mortgage is over 80% loan-to-value (of the property), and no upfront MI.The...

I have been offered a 3.75% rate for 30 year fixed.
Missing a lot of information. Purchase or refinance? Loan-to-Value? FHA or Conventional? Credit Score? Though in general rates are starting to go up so you should make your decision quickly.

I am 68 my wife is 54 can she be taken off title for a reverse mortage
She can be taken off, and when she is 62 you can refinance and put her back on.

Can I convert my FHA loan to a Conventional Loan?
You can refinance into a conventional loan. You should make sure that the payments are less without the MI at the current rate, though chances are that it is less.

Can I use part time and a new full time job to qualify for a mortgage?
To consider the income from your second job you'll need 2 years. If you left your current job and went to another job in the same line of work then you could use the new job income. But when you start a 2nd job they want to see that you are able to manage 2 jobs for at least 2 years.

What should my credit score be to purchase a $150,000 home?
The best credit score to get is 740+, however with FHA you can go as low as 580 though most bank would still want a min of 620 or 640 for an FHA loan. Beyond a 740 then the rates wont change.

how can i buy a house for someone as a gift
If they are on the mortgage as well then you could be a non-occupying coborrower, that way it is still considered a primary residence. Though they would need to have decent credit as the credit score will be the lower of the 2 of you. They don't need to be making any money, though every dollar helps.

Just got married and have bad credit but my wife has good credit. What do I do?
If you need both of your incomes to qualify then you'll have to be on the loan. They will take the lowest middle score between you both so your credit score will come into play. So if you need your income then try to go to someone who will clean up your credit, if you want I can suggest someone for you. If you don't...