Like some other agents have mentioned on here, you will need to get to about 630 in order to qualify for a home loan.
I have a lender that I work with can educate you how to repair your credit and you should be able to get to 630 in about 3-4 months.
You can email me for her info.
JP and Associate
Licensed Mortgage Loan Officer
100% Home Loans All Over Texas For 30 Years!
It is hard to get a home loan these days.