Chris Gummerson (cgummerson11)
#10 ranked lender in California - 547 contributions
Welcome, your job history is great. Your income looks good, but its your credit that will shy away most lenders. FHA does allow to sub 600 fico scores, but most lenders will want about a 640. Do a search if no one replies to you on this page. Search for FHA lenders and call around with your scenario. Many loan officers will say they can do it, to get their foot in the door, but they cant in the end. Be upfront and look for a loan originator that is licensed and is reputable. You would need to put 10% down on this program and not have any late payments in last 12 months.