can i get a conventional mortgage with FICO scores of 658, 623, 622

There are a number of banks, lending institutions, and mortgage brokers that canprovide you with a conventional loan based on a mid fico minimum allowed score of 620. It will cost much more but you can at least absorb much of the expensivepricing by taking a rate of .500 to 1.0% higher.

You can qualify for a conventional mortgage however, this is the actual quote from the guidelines: LTV's greater than 80% are subject to MI approval and guidelines with regard to maximum LTV for property types, FICO score, minimum trade line requirements andreserves.So it's difficult to say for sure if you'd qualify without further analysis.

Lenders use the middle score, so your working score is just 623. That is too low for most conventional lenders, and is just barely above the minimum for most FHA lenders. I suggest you work on credit repair before buying a home to increase your options and to get a much better deal.

Yes the scores are fine, but you still have to have a debt ratio of 45% or less. You also can't have any unpaid judgments on your credit. Speak to a local pro and have them go over your credit and income to determine what you qualify for and if there are any items that can be fixed easily to boost your scores

If you've had a recent mortgage late, that would need a full explanation. However, I have a resource who on manual underwriting, depending on other credit and depth and other factors, would consider the circumstance.. so, it's still a maybe in my opinion. Only if your score remains above 620 otherwise conventional is out and the only options left are FHA (unless you or your husband are a veteran).

Go with Kim Lawson.

I lend down to a 620 middle score on conventional loans providing you meet the other guidelines, you should be OK.Let's discuss your loan scenario in more detail. Contact me at 800 315 8803. My name is Jamie and I have been in the mortgage business since 1989. I am happy to answer your mortgage questions, 7 days a week and review your loan scenario. Until then, I look forward to hearing from you. Jamie Lynne - www.bartprequalifies.com - email Jamie@bartprequalifies.com - 800 315 8803

Yes you can, but your interest rate will not be the best available because of your credit scores and you will still have mortgage insurance with 10% down. I would speak with a local loan officer, do a loan application and have them review your credit with you. He/she will then show you the best options available to you for your wants and needs. Best wishes, Sean