Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open.

What are my best options if I don't have a lot of credit lines for housing loans?
Rather than trying to indirectly game your credit score, I would instead shop around and see if there are other lenders that will pre-qualify you with your credit the way it is today.  BofA and other large banks can be very formulaic in how they qualify loans; a local bank or credit union may be more willing to bend the traditional "rules" and pre-qualify you.   I'm thinking about using FHA. If you can put 20% down then a conventional mortgage will likely be cheaper than an FHA loan since FHA loans have mortgage insurance built-in while conventional mortgages typically don't require it if you borrow less than 80% of the house's value.  I would shop around before jumping to an FHA loan.