Currently, I am seeing that a credit score has got to be in the mid 500's with no "lates" in the past 12 months. With that being said, you need to get that credit score bumped up. The way to start this process is fairly easy, but the results are not overnight. 1) go online to http://www.optoutprescreen.com and select the block that says to STOP sending junk mail and advertisements for you to purchase. A lender has advised our office that this will bump up your credit score within 7 to 10 days, by maybe 10 or 20 points. This is where you are showing the credit bureas that you do NOT want to receive OFFERS to buy new cars, get new signature loans at huge interest rates or new credit cards. Once you say Stop sending this, it triggers the bureaus to say, HEY...if she doesn't get the offers, she is less likely to buy and run her debt ration up. 2) Look at all your credit cards and loans. You need to pay ALL of the credit cards down by 50% of the Credit Limit. If the card has a $1,000 limit, make sure it does not reach a $500+ balance owed.....this will increase your score drastically according to all the mortgage lenders I deal with. If you cannot pay on all of them at one time to get them paid down.....pay the minimums on all of them EXCEPT the one with the HIGHEST interest rate....pay that one totally to zero....BUT do NOT CLOSE ITOUT. Cut that card up....and each time it renews....cut it up. It will show that you have a zero balance, that you paid it in full.....AND..... you have that much AVAILABLE CREDIT AT YOUR DISPOSAL. If you close out the account.....you will mess up that "line of credit" that is available....but remember its just for LOOKS....dont' go charge on it again!! Keep doing this until you get them all paid down or off....but each time you get below the 50% mark, you've bumped your score even higher. After you do these 2 tasks and you are keeping all your others bills up to date, no lates (over 30 days) and no NEW CHARGES or NEW CARDS....go find a reputable lender to run a pre-qualification loan app to see what your scores are and see what you qualify for....they should tell you where to go from there....but for now....this is a good head start. If you need the name of a lender.....ask around...but ask for references!!!