You may be able to find someone that can approve you, but the rates are higher if your score is below 640.
Also, they look at the line items and if you have judgements and/or collections, they may need to be paid off.
Make sure that you can readily afford the payment easily along with payments on your other debts.
I may be able to help you with your loan. We work with lenders that will go down to a 580 score. Please call or email to get started .
Smart Mortgage Centers
email@example.com / http://www.smartmortgageinc.com