Luis, you are asking this question as a buyer in Washington DC. You can contact Weichert Financial.com and they will work with you to get your score up to 620 so you are good to go. They can service most states in the US. If you are in New Mexico, you can also contact Everett Dossey at Castle and Cooke, email@example.com who does have a 600 score option. Good luck. Let me know if you are successful. If you want to buy in Clovis, I would be glad to help you with that also.