Yes there are several lenders in St Louis that can give credit with a low credit score of 600. There is also a non-profit organization called NACA that does counseling and doesn't use your credit score. There are several steps, very workable. Need additional information contact me directly. 314.304.3314 or email firstname.lastname@example.org... more
Best course of action: Meet with a Local Mortgage Banker. The Mortgage Banker will review all facets of your loan request to answer your questions with regards to the types of loans and maximum loan amounts you could qualify for. If that account needs to be paid, your Mortgage Banker can advise you. If you are not qualified at this time you'll receive excellent guidance on the steps you need to take to prepare for homeownership in the future.