I am not too familiar with mortgage loans but I believe you are right in the fact that they will take both of your middle scores.
It also depends on what kind of loan you are going for. It's also definitely a plus that you don't have any recent derogs.
This is just my opinion.......and hopefully others might chime in....
But I don't see the harm in talking to a mortgage consultant and just letting them run the numbers to see what they come up with. Yes, they will pull all 3 of your reports but then they can advise you on what you need to do to get in shape if it's not good enough yet. At least that way you will see if and what you currently qualify for.
Another thing to consider (for a quick bump in score) is to maybe have your gf put you on one or two of her CCs as an authorized user........or maybe a parent....or a close friend. As long as it is a good standing CC with a long history (and preferably a high CL)......it could bring your score up considerably. Just a thought.
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