It starts with action....
(Here's an article I wrote on the subject: http://northtexaslakefronthomes.com/home-buying-and-home-sel
By the way...to answer you question, there are lenders who can accept a min score of 580 for an FHA loan. Feel free to contact me if I can be of further assistance.
-Amy S. Arey, Realtor, CNE
Halo Group Realty, LLC