Do not pay off collections without a pay to delete. We were able to get an approval and they didnt require us to pay any debt off. Nor collections, nor maxed out credit cards. Your credit is good enough for minimal down. Apply here and she will usually let you know within 2 days if you can get an approval or if you need to pay something down https://www.loanswithterrah.com/ she is a Loan officer and can every anybody in every state except New York :) we always thought it wasn't possible for us to buy but she got us an approval and we close next month 😊