First off I can’t go FHA or USDA, home is way over FHA limits and USDA wont pass underwriting because of my Wife credit. We are in Texas and they require to look at her report. She has recent mortgage lates. * So conventional it is. Well I had to do a rapid rescore to remove dispute comments and my 680 middle has dropped to a 660 middle. * The problem is that im hearing you cant get mortgage insurance under a 680, but im hearing from others that you can find insurance with lower then a 680. * I have talked to my LO about this and he said he can get a 640 score through conventional with 5 percent down. But under 640 it gets insane. * Question is, has anyone seen mortgage insurance with a 660 score at all?* Iv looked all over the net and a lot of the insurers I see either want a 680 or a 660. * But I can’t figure out why some say it can’t be done and some say it can. We are closing in a month.
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