<prompt> Human: greetings everyonemy job is forcing a relocation to a different state. ive been happy where im at and fairly well off. my job has great income and i live pretty well within my DTI. i recently had a slew of expenses mostly dealing with attorneylegal fees in getting the courts permission to move my children out of state. all those fees are settled but here is my situationi have roughly 17,000 put away for the purchase of my home and will have a little over 20,000 by the time i am looking to buy roughly 2 months. i have owned my current home for nearly 3 years and im likely to make about 10,000 on the sale of my home. knowing i would need a lot of liquidity in the purchase of a new home i put a lot of my legal expenses on credit so that i would have the requisite amount of a down payment but this caused me to incur quite a bit of short term debt roughly 7,000 in this caseall of these fees will be reimbursed when i move because the contractually agreed payment for relocation is i will get about 36,000 after taxes with the only caviat being that i must furnish a deed or a rental agreement to get the money, meaning i need to have the cash to buy the house, buy the house, then be reimbursed and then some. its inconvenient for sure but it is what it is. here is my problem, my credit scores from myfico.com have a median of 672, which i thought meant i was all good. a broker i worked with to buy my current home says i should be fine with anything over 620, however when i go through the fine print stuff here is what i found -my Fico8 median is 672, my Fico 542 median is 619, no joke, 1 point shy of the threshold my lender told me i need. I dont know which number my lender uses to determine my qualifications for a mortgage whether its the FICO8 or the FICO 542, i tried calling him and he said he would just have to run my credit because whatever they use to run credit doesnt make any distinguishable difference, it just tells him if im qualified or not. so - my questionswhich FICO do lenders typically use? do they use the FICO 8 or the 542? and in the event they use the 542, what are the odds i can get my credit over the hump by a handful of points?for the rest of my credit portfolio -i have roughly 600 balance on a 3,500 max open credit cardi have roughly a 2,000 on a furniture credit card at zero interesti have took on roughly 7,000 of debt on the legal fees it sucks i know to retain my liquidityI have student loan that has about 14,000 left on itI have a car that has roughly 22,000 on itim paid up on my bills and such.any help is always welcome and thank you in advanceQuick EDIT: i realize the absolute easiest answer to all this is simply rent and i wont have to worry about ithere is why i dont want to rent - my children went through a rough divorce after a relocation for a job, my 4 and 5 year old kids have already been in 3 homes and will now be in a fourth in the very short lives. If im able to I just want to buy a home my kids can grow up in stability in. my DTI is great, i make roughly 80,000 now and will make just shy of 100,000 after my move  <response>: knowing i would need a lot of liquidity in the purchase of a new home i put a lot of my legal expenses on credit so that i would have the requisite amount of a down paymentHaving x in the bank while borrowing x will probably zero in the eyes of lenders. For this and many other reasons...or a rental agreementRent. Buy in a year or three. 