Hi, I absolutely agree with the Ms Hope! Bad credit...some people are told 620 is bad, and that's just not true. I can work with those down to 560 on VA or FHA. If I can answer any specific questions you might have, I'd be happy to help. Best wishes otherwise, Kimberly Lawson, Licensed Mortgage Loan Originator - Ohio only. Contact and licensing information can be found on my profile.