Without knowing any of your specifics, it's too early to find out what's possible for you.
There are almost 1200 listings under $150,000.
In addition to the houses There are also 165 halfplexes priced under $200,000 and 536 condominiums priced under $200,000 in these areas.
The three housing types mentioned total over 3300 homes listed for sale that are under $200,000 asking price.
The possibilities for you are good. A mortgage broker can look at your whole financial picture.
Yes credit is important.
We look at income, down payment funds and several other things about you,
in addition to credit score to estimate repayment ability and credit attitude.