What is the minimum credit score for a conventional loan in Lexington, KY?
A general rule of thumb in the current housing market for a credit score to get a mortgage is around 640. Keep in mind that pulling your score yourself through a website (or even another financial institution) may not give you an accurate score that your lender would pull. Even with a 600 credit score, it...

I co-borrowed on a house and had to short sale 5 years ago.. can i still qualify for an FHA home loan if its my second time?
Generally the industry standard for getting a mortgage after a short sale is 3 years. That can vary, but it's pretty standard. As for first time buyer incentives, if you haven't owned a home in 3 years you may qualify for some incentives. If you're not on the mortgage note, and your income isn't taken into...

Can I apply for a credit card after I signed loan docs? Will it damage my credit?
Steer clear from applying for new credit until your mortgage loan is closed. It may not damage your chances, but you're better safe-than-sorry when it comes to your loan & keeping your finance the same during the entire process.