It sounds like we can help you with financing. First, do not pay off the collections. I know this sounds counter-intuitive, but paying off old collections will change the "last activity" date on your credit report, making it seem that the collection is brand new and thus LOWERING your credit score.
You should not have a problem buying with your current score as long as you have a steady income and some money in the bank. Call or email me at your convenience and I will help you qualify for financing.
Timothy Brown | Managing Broker
Academy Residential Mortgage, Inc.| email@example.com
11380 Southbridge Pkwy, Suite 200 | Alpharetta, GA 30022
678.468.5626 x110 | fax 678.935.1156 | cell 678.467.9959