Best of Luck!
You can find lenders who will work with you with less than perfect credit. BUT you may not get the best terms and rates.
In addition the market is very competitive these days. Sellers and their agents are looking at the credit scores too, so to increase your chances of getting good terms and rates and getting an offer accepted you may want to work on improving your scores first.
Your goal should not just be to get in a home, it should be to KEEP the home. If you get into a loan with a high interest rate and questionable terms you may end up not being able to keep the home.
I wish you the very best!
Kawain Payne Realtor
Prudential California Realty
How less than perfect is the score? I am able to offering financing to borrower's down to a 620 credit score through either FHA, VA (if you are eligible) and Fannie Mae. I would be happy to speak with you and go over your credit with you to determine what you can do to make impactful improvements to your score if necessary. I can be reached at 866.901.3570 and would be happy to assist you in anyway that I can.
Julie A. Horvath
555 Metro Place North, Suite 320
Dublin, OH 43017
NMLS ID: 563029