I need to get in contact with someone about getting an FHA loan... I have spent the last 3 hours reading HUD 4155.1, and believe we qualify with 3.5% to 10% down payment. We have the 3.5% plus a little more right now, and have found a house we like that is listed as Insured and Standard FHA Approved. Help needed ASAP!! Income is above average(with stability in career field, 10+ years), credit is borderline poor/fair(just saw FHA credit has reduced to 580 -qualify with this new limit according to 1 report, 3 points below this limit with 2nd report), house we like is only 1/2 of our yearly income and NOT a current foreclosure. Where do I start?? Need someone willing to put in the effort to help, not just put our numbers into your system and say yes or no! Thank you in advance!