I have good friends that are working with a realtor at the moment. Because of some past credit dings their realtor who is a mortgage broker wants them to go into an FHA program I believe their FICO is around 590-600. However the loan amount is limited to the county limit of 160,000. The need to mortgage about 180,000 to 185,000. The value of the home is arount 200,000.any ideas on how to get this done in a covenntional product or will the they have to go to a sub prime product. Their monthly housing expense is going to double I have high back ration but good employmemnt and some assets. Any suggestions would be appreciated.