The average has to be 630 or above for a home loan.
You can start working on what needs to clean off your credit report by contacting the credit reporting agency Experian, TransUnion and Equifax. Another options is companies that will help you in the clean up of your credit report, like: http://www.ovationcredit.com/... more
Most all loan programs will have a 620 minimum requirements by the lenders. Take a little time and get your scores up and you will have a much bigger selection of loan programs and lenders. You may find a lender that will provide you a loan with your current scores but expect to pay a higher interest rate and fees.... more