Good morning jeanamarie,
Most Lenders today require a minimum credit score of 640 to qualify for financing. You might be able to take some actions that could improve your scores. Your best course of action is to meet with a Local Mortgage Banker to get Prequalified. Your Mortgage Banker will review your entire qualifications picture---Income, Assets, and Credit---and guide you as to what programs you're qualified for. If you're not qualified today due to credit, your Mortgage Banker can advise you on the proper course of action to improve your credit, whether that's in the long-term or the short-term.