Brendan Ross | Real Estate Attorney and REALTOR
One, medical bills are sometimes viewed differently than traditional debt as is their negative impact to your score and sometimes exceptions can be made.
Secondly, it may be worthwhile to consult a credit repair specialist. It's important they're credible and proactive. I've seen some that do nothing more than the consumer could handle on their own or worse yet nothing. But, I've also seen repair specialists that are invaluable in the buying process. My preferred lender has one that he refers to when our buyers can't qualify due to credit. She typically has them ready to go in 3-4 months. If its going to take longer she prepares them at the initial free consultation and tells them what steps they can take on their own so they're not retaining her services long term. Genuinely the nominal monthly fee is worth it for the kind of results she produces.
Let me know if you'd like to talk with her or with my preferred lender and I'm happy to provide you their email and phone contact info.
All the best,
I know one of my first time home buyers had what they thought was a low credit score (630) and they were still able to get into a program and buy their first place. So it is possible. You just need to meet with a lender and see what programs are available to you.
There are also Grant's available in some area's of the Salt Lake Valley. And they have new grant's every year. If you have any more questions feel free to call me or your trusted Real Estate Professional or Lender.
I can refer you to a lender if you need one.