What kind of credit score and credit do you need to get a stated income loan? My hubby pays me and I do some freelance work on a contract basis. My husband has direct depo from his work and I have no way to prove part of it is mine exept that I am on the account. My credit is better then my hubby's so it would be only me on the loan. I also have a judgement and some old collections but my score is around 624, 602. We are selling our house and will have about 5%-10% down. Is there anything I can do?