Sometimes, a good loan officer or mortgage broker will give you advice to raise your credit score, if you are unable to purchase right now because of the poor scores. There are a lot of easy things that can be done to help improve low scores, so that if you can't purchase now, you will be able to purchase in the near future.
Unless paying cash, since nothing closes without the loan, best to contact someone like me in advance to get pre-qualified.
Review these loan programs here below and then call me with the ones you are interested in learing more about:
As you might suspect, I do this and would be glad to talk with you. E-mail George at firstname.lastname@example.org.