Is a 640 and a 669 credit score good

More info needed, but depending on what you are trying to do.. it can be good enough. Every Scenario is different.. If you are trying to buy a $2M home, with 10% down, then no.. it's not good enough.. If you are inside of FHA loan limits for your area, then yes.. your scores are in the acceptable range.. That all being said,,, it takes more than a credit score to obtain financing.. you could have a 750 credit score, yet with some credit deficiencies, you still might be denied.. To be accurate, we need to analyze your complete loan profile.. once we see that, we can advise you as to the best loan product for you. I'm a preferred Lender with California and Arizona being my primary markets. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com NMLS# 226347 / LendUS, NMLS 1938/ AZMB0121893

Both of those scores are below the current national average of 704, and would be considered weak. But they may be acceptable enough, depending on what program(s) you are looking for. I'd just suggest contacting a local mortgage broker in your area, give them a full application, and let them zero in on what exactly is available to you. I lend in MN, WI, and SD only. Contact me at iMortgageJoe.com. NMLS 274132