| My advice would be for you to get your report from all three bureaus, and fix it. Pay off open collections and charge offs, dispute inaccurate information, and pay ALL obligations on time including utilities, cell phones etc. Those can be used as "Alternative Credit" (esp for FHA). The following is how FHA views credit:..."examine the overall pattern of credit behavior, rather than isolated occurances of unsatisfactory or slow payment. a period of financial difficulty in the past does not necessarily make the risk unacceptable if the borrower has maintained a good payment record for a considerable time period since the difficulty (usually about one year). When delinquent accounts are revealed, the lender must document their analysis as to whether the late payments were based on DISREGARD FOR FINANCIAL OBLIGATIONS (considering your good income, that might apply to you), an inability to manage debt, or factors beyond the control of the borrower" ( illness, job loss, medical bills)...You might be able to get a "Sub-Prime" Conventional loan, but it will be ugly. Also with so many sub-prime loans going bad, the rules have been tightened. Take the time to do it right. | 
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