Hi Tami,
Lenders require at least a 620 score now...depending on the reason for your score being lower, we may be able to get your score to the 620 mark. I have a lender that will do credit repair to get you to the target score, while at the same time underwrites your file and approves you for a loan. It may take 60 days, but you will be approved to buy a home, AND if you're a first time homebuyer, you will qualify for up to $8000 tax credit from the government. Let me know if you would like more details, thanks for the question Tami!

Joshua Pick
Sr. Mortgage Consultant http://www.crefco.com
216-236-7266 direct phone
216-236-7267 direct fax
jpick@crefco.com

Tami I would keep trying,fha,etc...contact Joanne,if she cant then you may have to wait here is her email,joanne.cavedine@bankofamerica.com tell her TJ referred you.Good luck

TJ