Credit score of 630 (middle) do i have a chance at a good rate?

I can definitely help. We are more flexible in our score requirements than most lenders. Typically, lenders will require 640 credit score for an FHA mortgage; however we can approve these loans down to 620. Email me at ssomerville@primelending.com or call me at (913) 406-3993. We can start your application and get you approved quickly. Currently FHA rates are around 4.75% to 5% depending on loan size and other factors.