You will likely have a difficult time qualifying for a mortgage right now. Most lenders will require a 620 middle credit score, some lenders now require a middle score of 640. There are some that "say" they will go as low as a 580 score, but there needs to be extenuating circumstances for the score being where it is to qualify and most likely a lender would require good compensating factors (i.e. substantial down payment, cash reserves, etc) My recommendation would be to work with a mortgage professional that can properly assess your credit situation now and assist you with putting yourself in the position in the hopefully near future. Best of luck!