Yes you can get approved with a 656! You probably don't need to get your scores up anymore. There are Lenders that can do a 600 mid score home loan. They just aren't always easy to find and some try to over charge you on the rate and fee's. I have had a lot of my clients with 640 scores approved for a home loan with The Lenders Network, not bad rates either. If anyone can you get approved they can!