If you want to be connected with lenders that are great at what they do, let me know and I can forward some contact information to you so you can get started. The sooner you start, the sooner you will be moving into your own home.
I have a credit expert that can help you, if your interested please email me email@example.com. He can repair and re build your credit within 30-90 days. It's free to see what he has to offer. Based off your comments you need revolving credit to achieve credit scores. It maybe something simple for you to achieve and he can help with those collections as well.
It will be very difficult to get a traditional loan with credit scores below 620. However, there are a few options still. You could find a lease option. Even some properties that are not listed as a lease option might be possible. If you find a rental you really like, ask if you can secure a lease option on the property. You can even negotiate where a portion of your rent is used to reduce the cost of the property. Another option is credit repair. There are many reputable places in Boise that offer this service and can help get your credit score up. Of course, you can always do this yourself, but if you are confused on how to do it, seek professional guidance. Let me know if I can be of help or if you are looking for recommendations.
I would recommend you contact a lender with years of experience who can give you a specific plan of action to follow if your qualifications don't work today. With specific steps you can restore your credit. It may not happen overnight and you need to know it will work eventually.
I have worked with a terrific lender for the last fifteen years. She has thirty-five years experience which gives her perspective. She can give you the best advise. I know that due to Easter she will be out of town until next Monday. Her name is Jane Hopkins and she works at Idaho Independent Bank. She can be reached at either 208-947-1127 or 208-867-2695 or by e-mail Jane.Hopkins@iibk.net.
When you are ready to purchase a house I'll be ready to assist you.