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Okay, say someone has a credit score that's um... not exactly stellar, but they're eyeing a house and thinking FHA might be the way to go. Would you guys risk applying now or wait and try to boost the score first?
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Been there myself... FHA can be forgiving, but honestly, I'd hold off a bit and try to bump that score first. Even a small increase can make a noticeable difference in your interest rate and monthly payments. Start by checking your credit report for errors (you'd be surprised how often they pop up), pay down any high balances, and keep utilization low. A few months of focused effort can really pay off in the long run.
