You need to talk with a mortgage lender, bank, or your credit union. Also, is there any history of military, so you can possibly look into a VA loan. Talk with those people and ask them how to raise your credit score. Since you are close, it shouldn't take long. Set up 3 auto drafts on 3 different cards. Like phone on visa, cable on discover, and say electrical on an American Express, and maybe a fourth like a car note on Master Card. This will help raise your score quickly. Also, call your card companies and ask them to raise your limit. Whatever you do, DO NOT purchase anything at all before you have moved into your new home. I hope this helps.