I work with a lot of people who have less than perfect credit. I tell all my clients that need a pre approval to visit The Lenders Network, I have seen loan approvals from them even with scores under a 600. So if anyone can get your client a loan they can.
We are able fund FHAs in house down to 600, but can go down to 580 if your client's credit drops. I would like to offer your client a free credit analysis or consultation to see if we can bring up the scores just a bit which will give your client more options. We just corrected a client's credit report which brought his scores up 42+ points which helped out huge. I was able to offer a larger lender credit to help with closing costs. The lower the score the less attractive the pricing is.