We have been working for a long time toward our goal of purchasing a home. About 2 weeks ago we had a mortgage broker run my credit ( not my husbands due to low score and only really working on mine due to his amount of debt ) She at the time said we needed to get to a mid score of 640 to qualify for a mortgage with a grant program for the down payment assistance. I paid down my credit cards as she advised and she called today my mid score from then went up BUT its now my high score and my mid score is 628. To say the least I am frustrated. We do qualify for an FHA loan with 3.5% down which we dont have and would like to wait til we can qualify for the down payment assistance.
Here is where I stand as of right now:
Collections include one that I am paying monthly on and have been up until now reporting as a charge off and or late payments but will now be reporting as paid on time starting back from August 2015.
Capital One unsecured with $300 $0 balance
Discover secured with $200 (we were planning to add another $100) with a $0 balance
Fingerhut $200 with $0 balance
Student Loans are in forebarence right now not making payments til next month
I paid a small collection that will be deleted soon hopefully as I had a pay for delete agreement
I have other collections but the mortgage broker said they dont need to be touched.
My question is if it is possible to get my score up at least 20 points idelly 32 by next month at this time? If so how ???? I know paying down balances helps but I dont have any soooooooooo help ! 
Thanks in advance!
