We require a 640 score for USDA, FHA, loans, and a 620 score for VA loans.

There is a lot of information missing; however, if your score is 572, then you're not far from the required 620 to 640 required for most lenders. Applying with others when you're not married is possible; however he would have to improve his score as well. Best advice is to contact a local mortgage broker, not a bank, and apply with them.. They can look at your complete profile and determine what the necessary steps would be to rapidly improve your score. They also have access to numerous lenders and can find the right match for your particular scenario.. WilliamAcres.com

Start by contacting a local Mortgage Banker/Broker. They should be able to guide you on what you need to do to get your scores up. In most cases, the steps you need to take are relatively simple. It could take as little as two weeks or as long as 4-6 months depending on what you need to do. Most lenders are looking for a middle credit score of at least 620. Don't forget to check out your selected Mortgage Originator at the National Mortgage Licensing System at www.NMLSConsumerAccess.org ~ Bert Carpenter, The LoansA2z team of NOVA Home Loans ~ NMLS 40586 ~ www.LoansA2z.com

$60,000 to $120,0000 is a HUGE variance in price range, and I assume you have no idea of what you can truly afford. As suggested by others, you need to get with a local lender and let them pre-qual you along with pulling your credit report to see what can be done in order to bring your scores up.

Kristi,I can help. Please call 866-766-1920 or email rraque@swanhelp.com

Credit counsuling looks like the way to go , call a mortgage broker in KY and they should have a refferal for you. Good Luck