No bank will give you a loan with that credit score. I work with banks very much. The lowest I've seen is a 660-680. However, if you own the home you are living in now, I would try to apply for an equity loan from the bank. That's really your only option. You do have one other option, but it would be hard to find someone. You could try to find an investor (a cash buyer) who could buy it for you and do a land contract with him. A land contract is basically doing a loan from the owner himself/herself. BUT, if you are late on a payment (just 1 even) he can take the house back and everything you paid is still his/hers. If you do this route, you will want the agreement to say that, for example, "If a payment from the buyer is late, a one month grace period will be honored." Since, you don't want to lose your house or all the money you put into it.... You might be able to find one, but I would try the equity loan first. The fact that you put a bid in and it was accepted....bad move. If you signed a document and cannot close by the date agreed upon, the seller can actually sue you for that, usually it just means you lose your earnest deposit money. If you used an agent, he could, legally, sue you too for the commission he/she lost. You need to have everything figured out first before you start placing bids and signing agreements. Even if you do get an equity loan, it takes time to process. If you don't have that time, sorry. You should have had everything figured out beforehand. Otherwise, you could end up being sued (or lose your earnest deposit money) and have even less money than you started with.