The only answer or suggestion that I can make is that you share your credit report with a lender that is willing to work with you until your scores come up to the levels required by investors today.

Hi,I would be happy to talk to you about what needs to be done to put you in a position to purchase a home. You have shared some of the information I would need to answer your question but not all. My contact number is 513-297-6210.

Hi. We lend in OH, and offer a program that goes down to 600. If you would like to discuss your options feel free to call our central office at 512 686 2750, and ask for me (Bart). Until then, I look forward to talking to you. Bart

work on the credit a little to obtain the 620 needing for a loan, may need to pay down some credit card debt, see if you can reverse the late pays on the credit, if oyu wish to fax your credit to me and let me review it to see what is going on with it and I can give my 2 cents to see how you can improve your credit, call me for my fax number at 909-230-4395

Yes there are options now, however, to get the best rate you might want to watch this video about our credit services. https://vrtmg.financialeduservices.com/video/FES7min.asp or you can contact me at my office 801-562-9100. Clark Harvey

Based on what your stating in your question, there must be more to the credit then a couple of paid past due student loans.. Contact a local mortgage broker, not a BANK, and have them look at your credit report. They can determine what needs to be done to increase the score to get you fully qualified. WilliamAcres.com