In recent years lenders have tightened the criteria for making loans. A local lender will be happy to go over the current requirements with you. You have many choices for home loans. New Penn Financial is a great local option in Dover.
S. Walt Simpson, Realtor
across the board most lenders guidelines are 620 some can go lower depend on your situation. Va, money to put down etc. I think your best bet is to contact a lender to find out what your credit scores are if you haven't done so already. If you know your scores and they are lower, there are people out there that will help you get you to where you need if you not there already!