I know if you don’t have a 620 middle FICO score, you can’t get a loan. So I worked on it until I got the two FICO scores they’ll sell you above 620. Now that I think I can apply and get a loan (my income is high enough) I find out there’s a million other requirements. Not more than one late payment in 1-2 years, 2 year rental history, 2 year employment history, no liens, no unsettled collections, a bagillion other tiny things to look at and AGAIN wait for them to roll off. I mean if I barely have a 620, there’s obviously going to be a couple things on there. It’s like “Oh a 620 works as long as there is nothing bad on your report” I’m like “if there was nothing bad on my report I’d have a 700 not a 620. Any lenders out there that give loans to 620 FICOs or is it just a myth?