Keep at it. You'll get better results if you put yourself over 620. Add yourself to a relative as an authorized user on one of their accounts. Make sure their credit is good. This will boost your scores. Don't close any old cards and keep balances at less than 50%.

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Currently, your 2 best options with those scores are either an FHA loan with 3.5% down payment or a USDA rural housing loan which has 100% financing but limits the properties you can purchase. I would be more than happy to assist you in getting qulaified. Those scores are fine with me and my bank. The whole process only takes about 15 minutes so if you have the time to discuss it, I'd be glad to assist you.

Luke Allison
Bank of America Home Loans
828-777-8828
luke.allison@bankofamerica.com