Unfortunately, until your are able to raise your credit score, I don't believe you'll be able to get a mortgage. I'd be happy to give you contact info for a few lenders I work with frequently though who might be able to guide you in ways to improve your credit score. Please feel free to email me directly.
This is getting more and more common...because some lenders will issue a pre-approval letter without ever checking credit. The listing agent is protecting her seller. Get pre-approved with the lender they specify if you really want the home.. It will take you ten minutes. Good luck!... more
If it is listed with a Real Estate company, a Realtor can take you through it. If not, you might call the bank who holds title and ask them about it. Also, you can take the address to the county tax assessor and get a property card that will give you square footage, age of home, etc. and tax records that will show you the tax assessed value. But remember, tax assessed value and appraised value are typically not the same as the two look at different things to get a value for the home.
You may also want to take into consideration the condition of the home and location when making an offer.... more