Based on the information you provided, it sounds like you are a good candidate for such programs. Generally, when someone has a low credit score, there are judgements and collections that need to be paid off and the borrower isn't willing to do so. In your case, you have taken the first steps in the right direction.
Your score is awfully close to 620, and it is very possible that by just continuing to pay your bills on time you will be there within a month or two.
Your score will also increase if you pay down your revolving accounts as much as possible. The lower the percentage of your maximum available credit you have outstanding the better.
Hope this was helpful.
I am available to help you at your convenience if you wish.
I also offer credit score improvement programs for free while we work on your mortgage.
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Robert L. Hanson
Gladewater National Bank
First Time Homebuyer Specialist
Direct: 240-752-7549 Cell: 301-651-7822
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