Ricky, sometimes it amazes me when agents post information that is absolutely wrong, and some people might actually listen to it.
Lynn has brought up a good point. Did you get those scores by yourself online? If so, they might be wrong, so you really need a loan officer to run them for you. Be careful, don't allow more than 1 to do it. Lenders absolutely DO NOT use your lowest score. They also don't average them, they use the one that is numerically in the middle. in your case, that is 624. That does not mean that the 544 will not give you trouble. When you have one very low score, it usually means that one bureau is reporting something that the others are not, such as a tax lien or collection. Any loan officer worth using will be able to figure this out for you very easily. If it is something that you can take care of, you should do that and get a rapid rescore done to increase that score, and remove the item. If it is something like a repo that was only reported to 1 bureau, it could really give you a problem.
Good luck, and if there is nothing unusual, you can get a loan with a 624 middle score as long as your debt to income isn't too high, you have some reserves, and you put down more than the minimum 3.5%. You may not even need all 3, but the loan scenario has to be approved by a desktop underwriting system most likely, and often that doesn't happen if you have a very high DTI, are putting only the minimum down, and have no reserves at all.