Calling all mortgage officers. What steps should I take to get approved for a FHA loan? (See below)

I have a 10K charge off , $2k charge off (in dispute status), and 2 late payments from 2019. My utilization also 76%, but my DTI is very low. I have a 636 middle score and I have not been able to be approved automated or manually. I have received refer with caution, but the former lender I used can’t see what’s causing it in the system.

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This question might get more traction in one of the bowls related to finance (personal investment chatter, FIRE, etc) than in the Confession bowl.

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61% utilization as a first year associate. RIP

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Hello All,

Can anyone please help me here.
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I wish I was curvy. If I gain weight, they just all go to my face and I look like Jigglypuff, if I try to get toned, I get bulky (while some ladies can pull it off, I can’t). I just have to accept that I’ll always be this flabby shapeless person 😔

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