It depends on a lot more information than you have provided. There are lenders that will consider an FHA loan with scores in the low 500s, depending on what makes up the score. Contact a local Mortgage Banker/Broker, rather than one of the big banks. Unlike a bank employee, who is most likely just an order taker, a Mortgage Broker/Banker is Trained, Tested and Licensed in all aspects of Mortgage Origination. He/She will be able to look at your entire situation and guide you. 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

There is much more infomation needed in order to properly answer your question... Like Bert said... contact a local mortgage broker, not a bank and apply with them... there are lenders out there that will go down to 500 credit scores, however the stipulations are very strict with zero flexabliity... WilliamAcres.com

Hello, I am located in Palm Coast and can work with you on this. I have programs to work with your current credit score. However, as Bert and William mentioned, underwriting decisions are based upon more than the score alone (although the score does play a big part).My office is located next to Taco Bell on Palm Coast Parkway (1030 Palm Coast Parkway, suite 3). My name is Steve Verrier and my cell # is 904-514-8884. I look forward to being able to help you buy your home. Steve

Hi. I can work with credit scores down to 540, but as everyone else has said there are other factors besides your credit score. If you would like to discuss further give me a call. Thanks. Michelle 201-962-3555