My boyfriend and I are looking at to buy a home, my credit score is 638 and his is 591. Our apt. lease is up in 4 months, and we would like to move right into a home.
We are going to try and get an FHA loan, is that possible or should we try and fix up our credit more first? Together we make over $110k a year if that makes a difference.
Thanks for any help 
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You still need great credit
He is going to have to get his credit up above 600 for FHA financing and you will need 3.5% down.
You may be able to , your credit is bad. I don’t think these days anyone would put up that kind of money for a high risk loan.
if you save a fat down payment they may consider you….
you qualify now but with out knowing more then just how much no one can say. Now with that said, many lenders have moved scores up to 600 and some 620 for underwriting. There are some who will do this but do not be surprised if you have to pay discount points for the money (higher closing cost)
I would work on his credit a little by getting credit card balances down to less than 30% of the total allowable and paying off with written proof any bad items that need to be addressed. The last thing I will tell you is to NEVER BUY a home with a boyfriend. ONLY a HUSBAND
Good luck
I am a mortgage banker in TN & KY