If your scores are low can't qualify resolve the issues negative credit issues, reduce your debt based on many particulars your score could increase above 620 within 90 days. However if issues are less than two years old you may have wait for approx. another 12 months purchase a home.
Have you consider locating a home lease option buy . Clean your credit then purchase.
National Featured Realtor and Consultant, Texas Mortgage Loan Officer, Credit Repair Lecturer
Follow me on Twitter: http://twitter.com/Lynn911