Gabby9,You scores are too low at this time. If you like I can have someone work with you to get them higher.

We need a middle score of 620 for USDA and 640 minimum for FHA on a purchase. I would work on improving your score and doing a FHA loan.Ken

you need better scores and more for a down payment. Get with someone local to look at your credit and see if they can help you inprove them. You will probably need at least 10% as a down payment for a sub 640 score.

FHA only requires a 3.5% down payment, but you won't be approved without better scores. 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. The big banks also will not take the time to help you get loan ready, a Mortgage Banker/Broker will. Once you are loan ready, your Mortgage Banker/Broker will have access to loan products of many lenders, not just those of one bank, and can properly 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

As you already know, your scores are too low for most lenders.. There are lenders out there who will lend down to 500, however the guidelines are very strict, and they might not lend in your area... best advice is to contact a local mortgage broker, not a bank, and apply with them.. They can help analyze your credit and show you where the biggest chances are for improvement.. Get your score over 620 to 640, and you should be able to buy a home.. WilliamAcres.com