There are other factors besides credit that determine loan qualification, income, debt, assets, etc.; therefore for a personalized answer, visit with any licensed loan officer; be aware that a mortgage pre-approval letter is required in order to determine your price range and for any offers to be taken seriously.
Ernest you can check with Judy McMillon - at Platimum Financial Funding 775-4407. Her office is at 4589 Rhea Co. Hwy Dayton - just before you get to McDonalds on the right. I will be glad to help you find home after you get pre-approved, Phyllis