Prime Partners @ Keller Williams Realty
There are lenders out there that could offer financing with less than a 640 fico score, but the rates & programs will definitely be limited. You may want to consult a loan officer to see what could be done to increase your credit rating and open up more possibilities for financing.
First Capital Mortgage
Direct: (310) 434-1718
Fax: (310) 451-6407
You should qualify for a home loan with your middle fico of 615 however there are other factors involved for loan qualification, such as judgment's, collection, past dues or liens which is usually the cause of low fico. have you have a chance to review your credit report? If not we can help you analiyse and determine how much loan you can qualify for.
Speak with a licensed California loan officer ahd have them evaluate your specific situation.
I guess the best answer, given the limited info, is that the scores you posted will not disqualify you from financing.