[joelmbell]

Wow, I guess my last post was unpopular here. Look into "Manual Underwriting" its definitely possible to get a mortgage without a FICO store.

My problem withe the FICO score is that it is not an indicator of financial stability. Its entirely based off of debt. If someone wants to live debt free, which most would argue is a great position to be in financially, you're actually punished by FICO. The system is broken, and everyones obsession with the FICO score just feeds that broken system.

If more people did things like Manual Underwriting, and tried to live debt free I think it would drastically help the entire system.