Unfortunately a score below 600 is no longer considered "midrange", which is why your lender may be unwilling to lend now. I would suggest you talk to your buyer agent, if you have one, because he/she should know a number of good lenders whom you could talk to.

Are you first time buyers? Depending on your income, there are some good lending programs in MA.that might help. Soft Second is one of the best.

As long as the credit reports pulled for lending purposes are done during a short window of time, it won't affect your scores. The sugestion Julie made is a good one- if you can qualify on your own. For one thing, your score also affects the interest rate you get, and you would get a lower rate with your score.

Deb

Couple ideas, are you able to purchase the home on your own, without your boyfriends income?
If so, that might be the way to go, since his score is so low. Unfortunately in the tumultuous credit climate, conditions, requirements and rules are changing everyday....if not by the minute. Also, start shopping around with different lenders, tell them your scores and ask them to give you a realistic look at if you'll get pre-approved. Remember, your credit score takes a hit everytime a new lender pulls your credit history. Good Luck!