I wonder if I qualify, credit score of 680-695

This is my first post and I am very excited to hear your thoughts. I am wondering if you think I might qualify for a FHA loan. Here is some info about me:Credit Score: Ranges from 680-695Income: 45,000Car Payment: 380Student Loans: 175Credit Cards: Have approx 6-7, all paid off. If I ever put anything on them, I pay them off immediately after making the purchase.Savings: I am currently saving 2,000/moI am 27 years old, and have been at my current job for almost a year.My husband foreclosed on a condo in Dec 08 when the association went under and stopped paying the exterior insurance. His loan was put in automatic default since exterior insurance was required. Other owners were not paying their HOA fees so HOA couldn't keep up with the expenses. It is what it is...Hubby makes 75,000/yr and if I wait for him to qualify with me it will be years before we buy... although we would qualify for alot more. I was not on the mortgage or the deed and have not been effected by his foreclosure.I did speak with a loan officer who said I should qualify for 170,000. This is very low for the area, but this estimate seems high to me, considering my low income. Curious to see what you think. I am not quite ready to have my credit run, but am getting there should I decide to buy now versus when hubby can qualify with me.Thanks. I look forward to your responses. by LindsayW17 from Chicago, Illinois. Aug 20th 2009 Reply