Raise 4 points

[Kbondsk21]

Okay so I have a mid score of 636. I'm trying to buy a family house and close by the end of June. I have 10,000 in savings . The house is 250,000 . My down payment on a FHA is 8750 . But if I get to a 640 I qualify for a vhda loan and the down payment I'd loaned to me and I don't have to come out of pocket and the closing cost will be rolled into the loan. That's the back ground on the loan and where I stand with it. I need those 4 points , my credit card is h
What's in my way. It has a max of $13500 and currently the balance is $11,719 . I can pay it down some with pay checks but I don't know exactly how much . I could also use my savings money but I just feel that's to risky being if I don't get the 640 then I will need moat of it to cover my down payment. Please help ! What should I do . Time is of the essence.