I'm a vet with credit score of 630-660

You should still be able to get under 3%. Where did you receive your credit scores from?

and I very much appreciate your service.

Work with a local mortgage broker. They can review your credit and help you find easy ways to get your scores up. The higher the scores the better your pricing will be. In today's underwriting, all lenders are going to use the lowest middle score of all borrowers, so if you are the veteran, if you add your husband, then the loan will be underwritten using his lower scores. Also, be wary of credit scores your get from those on-line credit generators. They all use the consumer score model, instead of the required Mortgage model. Most often, the consumer model posts a score anywhere from 10-45 points higher than what the mortgage model will report. This is why working with a qualified Mortgage Professional. ~ Bert Carpenter, The LoansA2z Team of NEXA Mortgage ~ NMLS 40586 ~ Licensed in Arizona, California, Georgia, Oregon, and Washington. Need help in other states? We've got you covered. NEXA Mortgage is licensed in 46 states ~ www.ApplyYes.com 480-889-9000.