I'm not clear if you are trying to get a loan to buy the house you currently own or a new one. Most lenders can help you get a loan with a credit score of 640 or higher but some will go as low as 620. However, if you are not in a position to buy now, there are fast ways to improve your credit score.
To be able to help you better, is important to know what are the issues in your credit, late payments, collections, lack of credit lines , over spent. Based on the reason and yor current score there are a number of things that can be done to improve your credit.
For instance, if you have any credit cards that have not been used in a while, you want to dust them used them and pay them this will increase your credit, do not close any current credit lines. If you recently closed any old credit lines other than store cards you should try to get them reopened. The longer you have a credit card in good standing the better your score, etc.
Century 21 Home Center
9811 Greenbelt Rd
Greenbelt, MD 20706
Toll Free: 800-679-9788 x 20
RE/MAX Realty Group