If you are sitting at a 630 FICO, you absolutely have options. The days of needing a perfect 720 to get a mortgage are long gone. Residential Loans (FHA & Conventional):The Federal Housing Administration (FHA) is the heavy hitter for this credit tier. FHA loans require a minimum score of only 580 for a 3.5% down payment, making a 630 score a comfortable fit. While you might face a slightly higher APR than a prime borrower, you can still lock in a 30-year fixed rate. Even conventional loans (Fannie Mae/Freddie Mac) generally have a 620 cutoff, meaning your 630 score...