Most Lenders today want at least a 640 Credit Score. So it would appear you should qualify.
1. Get a referral to a Local Mortgage Banker to meet in person and review your total "qualifying picture" of IAC or INCOME, ASSETS, and CREDIT. Your Mortgage Banker can determine if you are qualified and for which loan programs and products you would qualify. If you are not qualified at this time, your Mortgage Banker can help you prepare and "Action Plan" to become a Homeowner in the future.
2. Where did you obtain this credit score? IF it's not through mortgage company and it's from an online resource, then chances are it is NOT a FICO score. FICO scores rule the day in the world of financing from cars to student loans, credit cards to mortgage loans. The scores consumers can obtain online are more often than not unacceptable for finance purpose and can vary widely from an actual FICO score.
USDA Mortgage Hub
100% USDA Rural Housing Loans
Serving all 50 states
Ph: 800-691-8826 (7 days a week)
If you need a Realtor once your approved, I live in Hernando and cover the entire North MS area and would be happy to help. Rates are down, so you are looking at a great time. Merry Christmas!!