I suggest you read that Truila blog: "I have bad credit and no savings. Can I get a home or am I stuck renting?" If you meet that criterion, you should be able to get a loan with your current scores. If you have a full time agent with a Masters degree in Planning with Finance and over two decades of experience, working for you, you will likely do better in negotiations. I'd be pleased to provide that service. ... if you appreciate this answer, please give it a "thumbs up", or if this was the most helpful answer, please say thanks with a "best answer" click .