Unfortunately, we only can base judgements and decisions on what we know now. Rates are good and prices are good. I would contact a lender and ask them to do a soft pull or a couple lenders that doesn't report inquiries on your credit, which could reduce your credit and see what they can do. Perhaps a few small changes can elevate your score quickly. Ask them if they have a program which shows what your credit could be with changes.
Also, be advised that consumer credit scores often differ from lender credit scores. So it may be either higher or lower than you are getting. Wells Fargo has an under 620 program. You could start with them.
Sometimes there is wrong information and there are some things that you can do.....
Also it will help if you save on down payment money while getting your credit score up.
You need a professional to assist you.
Good Luck to you......
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