My husband’s credit was really really bad when I met him… we have both been working on our credit for a few years now and his score is now 595 and mine is at 640. We are first time home buyers and do not have a down payment. We both have great full time careers and currently make around $65k combined/ year. I don’t want to ask anyone to cosign- I want us to be able to do this on our own. We have a meeting with a loan specialist in a few days but in the mean time I was wondering if there are any experts/ experienced people out there who can tell me what ours odds look like? We would like to be approved between $130k and $160k. Thanks in advance for any help/ opinions/ advice 
Related Post :
Other post:
- bad credit, home loan?
- Student Loan Repayment? | Personal Finance
- I am a 19 year old college student with not so good credit seeking answers about a personal auto loan. ?
- Private Student Loan Consolidation, a good lender? I owe over 100,000 need low monthly payments. ?
- With A Student Loan Do You Get A Check Or Does It Go Directly To ...
A credit score changes about every 12 months and it usually goes up between 5 to 10% per month providing you’re paying on time. $130K to 160K is perfect for your combined salaries. Don’t let the real estate agent tell you that you could afford $250,000 unless they want to cosign for you which you know they’ll never do. If i can be of any further help, you can email me at sbcovener@msn.com