Finally my closing date is set for Thursday at 3:00 PM. For all those talking about mortgages and not so good credit ~ there is a loan out there for you. When I started last March looking for a home and applying for a mortgage (March 00)I had 16 seperate negative items on my reports, and my score was around 529 or something like that. By October 00, I paid off all my past debts and my score was around 590. I'm not sure what my score is today, but I'm closing on my home Thursday. Interest rate is 6.5% ARM. I don't think I've done too bad at all.