Check with some local FHA lenders. FHA can work with lower credit scores.

Redhead, Receiving your email was perhaps one of the most pleasant experiences I've had here at Trulia.

You made me feel very good and the background you shared makes me humble. (A near impossible job)

Know I thank you....Dunes

What is your "I NEED" reason? Why is your credit rating 612? Did you "NEED" something else. These are the kind of questions you'll be asked, or should be...Because you are approved does not mean you can afford. Some who do loans don't care if you can meet the obligations because they are paid for getting the loan and anything beyond that is your problem.. BTW if you read thru the Q&A you'll find out that all those scam loans you read about, it was the stupid consumers fault and not the people who took advantage of the loan being given. Go down to a local rent to own store. Look at what the final real cost is compared to the actual price you could buy the item for if you had the money/credit. Do you want do do that with a financial obligation for a house?

Rent, fix your credit, save, inform yourself, then buy...Dunes

Hi, I know there is a lender with Wells Fargo, they are stilling taking 600 credit score, maybe you can try to call her to see if she can help you. Her name is Regina Palmertree, her cell is 901-488-6124. If you need a realtor to help you, just let me know, I can give you a referral also.