Hi William - As you see, it is very difficult to get a loan with a score below 620. Many lenders work with credit repair companies to fix credit issues, which raises the score, and then write the loan. You have to be very careful because many credit repair companies are scams. A reputable mortgage lender or broker will work with a reputable credit repair company.
If you want the name of a mortgage broker, who specializes in credit repair, email me and I will send you their contact info.
Coldwell Banker Yorke Realty
529 US Route 1, Suite 101
York, ME 03909