Yes you can buy a home with 50k down and a 610 score.
How big a house are you looking for?
2 things come to mind before you start your search:
1) You might want to think about trying to improve your credit score above 620â€¦ A10 point improvement is not very difficult to achive.
With that 620 score can save you on the interest rate. A good mortgage broker can pull your credit and advise you on how to improve your score.
2) With 20% down, you can do a conventional loan and avoid Mortgage Insurance.
My recommendation would be to speak with a good lender to get pre-approved so that you know what you can afford, and then keep within your monthly budget for your payments.
I have several outstanding mortgage brokers that I work with.
Please contact me and we can start the process.
Rick Ream - Realtor Â®
Coldwell Banker, Wardley Real Estate
7670 W. Lake Mead Blvd #100
Las Vegas, NV 89128