Hello, my name is Marta Rosario, I specialize in Lake Mary/Heathrow area and in my opinion you should not let credit stop you, I have worked with different buyers that have been able to qualify as long as they have a good job and good income. If you want to give it a try feel free to contact me. I also have a list of lenders that can help you and you can find them in my personal website http://www.imsellingflorida.com,
I hope my answer helped you.
Marta M. Rosario