My credit is rather good (high 700s, a lot of credit cards that I pay off every month, but no large auto/home loan history), and hers is low 700s (long term, but no recent loans/credit cards).

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Hello all,Looking at purchasing my first home , but have some issues/Concerns that we’re raised around FHA approval.

Our income is sub $60k/year (with the GI Bill income, etc) and we're about a year and a half from being debt free on the cars/cards/etc.   

But you want the tax basis to raise and you also do not want to saddle a new company with too much debt so you cannot get a line of credit right out of the gate. 

I  I have a business bank account to separate funds, and thought it would be great to start building my business credit by getting a secured credit card.

I mean we lost about 20 thousand houses in Wild fires last 3 years.I say we because I was born and raised in Northern CA and Silverado Country club got hit and lived there for 10 years 30 to 40 of my fellow club members lost their homes these are all 2 to 8 million dollar homes.they are now left with lots that take thousands to clean as they are toxic hazards.. and what i see is many even though well insured and many had their homes paid for.. they are just taking the insurance money and put the lot up for sale.. so we made an offer on a few lots in the 500 to 600k range with the idea to build a 3k sq house that will sell for 1000 a foot. so 3 million.. over in Coffee Park in Santa Rosa were 6k houses burnt down.. same thing many are not rebuilding this is basic starter housing in N Ca at 650 to 850k.. so lots there are selling in the 150k range.. although we believe there is going to be a flood of lots since many are taking their money and moving on.. 

As long as landlords continue to operate out of fear we will never have answers.Document every thing, all conversations, and, as Greg suggests, be prepared for them to play the "emotion" card.

I don't have very much saved as of now, being that I have been attacking credit card debt and not saving as I should.

This would likely raise the guard even more or not get them to call.Something like (happy home buyers- likely someone already has it but just an example).You want the prospect to get a certain message in their mind when they read your marketing piece in whatever format you are presenting to them in.