I don't know of any lenders that are currently lending below a minimum 620 FICO. You need to speak to a LO (loan officer) that is knowledgeable in credit restoration to see what you need to do to raise your credit scores. Depending on your situation, it may be something that can be done in a realtively short amount of time. If you're working with a realtor, ask him/her to recommend a good loan officer to assist you. There should be no fee for the consultation.