Any Mortgage Brokers out there?

I would prefer to do it on here rather than bug a stranger while they are trying to work. So… Here it goes:
Added (1). This is for school:The borrower has a mid-range FICO score of 625, 3.5% down payment on a $350k purchase, a Debt-to-Income ratio of 28/32 and can fully document their income.
1 Could the borrower get a sub-prime loan & what is the likely interest rate?
2 Could the borrower get an FHA loan, what is the likely interest rate?
3. Could the borrower get a conventional loan, what is the likely interest rate?
4 What do you think the current mortgage status is caused by?
Thank you for your help!

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