We require 620 credit scores so we cannot help directly, not now. I do know there are lenders that will do loans down to a 580 score. But the terms will be higher. It may be worth it for you to take the time to raise your score to 620 to get the best terms. But a lot of times there are things on your credit report that got your score so low in the first place, like collections, judgments, liens, etc; that may have to be resolved with any lender, even one who will accept a score as low as yours. Any experienced lender can help you raise your credit score, it just takes time. Feel free to contact me if you think I can help more, we lend in all 50 states. Good luck.