There are many factors besides your credit score that determine ability to qualify for a mortgage. For a period of time a credit score of 620 or below would almost certainly disqualify an otherwise qualified purchaser from being able to obtain a mortgage. This is no longer the case and there are several programs targeted toward individuals that have a credit score of 580 or higher.
If you have a few moments to discuss your situation further I would be glad to discuss options that may be available for you, and suggest a few lenders that would most likely be able to assist you. You can reach me at 304-205-9123.
If you have questions, you can call or email me at...
443-343-0400 ext 150