H. Roy Bhiro
Sr. Mortgage Banker
NMLS # 659743
It will be tough but maybe not impossible to meet your goal. A lot depends on what is causing your score to be what it is. Second, where did that score come from (scores you pull online yourself will not be the same score as a lender will pull due to different scoring models). Third, a lender uses the mid score of the 3, so you could have a 550, 580, 600 you may be able to work with Something. But, if you had a 480, 520, and 550, you would have a longer road. There are things that can be done to boost your score fast depending on your situation.
Let me know if I can answer further questions!
But if you've just incurred a bunch of debt, and have acted irresponsibly (i.e. not paying your bills on time, for no good reason) it could be more difficult to bring up your score. Talk to a lender and get the process started. Good luck!
Credit repair does not take as much time as you think and would be strongly encouraged even if you find an option now. When I did loans I helped buyers get into position to qualify for financing and often better rates. Some lenders still do this. One method is using a service only available through lenders called RapidRescore. (I have no personal interest in this company. I've only benefited as a result of their service to my clients).
They review your credit report for free and tell you what steps they can take and how much your score may go up if they are successful. Often by paying credit balances down to 1/3 or less and disputing some errors they can raise scores 30 to 60 points, putting you into a much better position to get what you want.
Even with RapidRescore it takes some time, so start soon. The lender may suggest other things that can help you get qualified in time to meet your goals, but time is going to go by very quickly.
This is a REAL Solution you can take. I hope you do.