The lowest score that some lenders will consider is 580, but not many will. As you improve your scores your options will expand. Somewhere between 620 and 640 your options improve more.
You should know that it takes more than a score. Income, assets, job security, history are all factors a lender will consider.
I would encourage you to talk to some lenders. I know one that assists with credit repair and helps people qualify sooner than they would on their own.... more