[Expecting baby #1!!!]

mortgage lender? I have a credit score of 650, my husband has a lower score than I do, so I assume they will use mine. We are making a little over 93,000 a year, and planning to bid on a house that they are asking 260,000, we are going to start the bidding at 240 and see if we can get it, because its been on the market for over 6 months and they are starting to get desperate. Down payment is not an issue, but I'd like to know what to expect in terms of closing costs, interest rate, and our chances of being approved for this loan. Thanks for any input, I just want to be prepared and not shocked! Thanks!