My credit was messed up when my wife had to quit her job because our son was born at 25 weeks, and was in the hospital for a couple of months, and now I am just getting it back on track.
I am looking to purchase my first house and have scores of 672, 608 (still showing a collection i paid off), and 686 and have already qualified for my VA certificate, do you think I would qualify for a loan.
I think you can get to a place where you qualify for a loan, if not right now.
First, I would suggest you find a local loan broker that represents a number of different lenders. They can fill you in on the current possibilities and opportunities considering your credit scores.
Please post your responses and follow-up messages to me on this in the comments section below.