Sally is right on. There is more to it than credit score. I am a lender and we have an investor that will go down to 600, but with significantly tighter standards for assets and debt to income.
The bigger question is where did you get your scores from. Unless a mortgage person pulled your scores, what you have is meaningless. The scores you get from freecreditreport.com, annualcreditreport.com, and the like are not accurate because they use a different scale than the ones used by the credit bureaus for lenders. If you obtained your credit scores from ny of these sources, your true scores are likely even lower.
Your best option is to contact a lender, go through the preapproval process, and follow his or her advice if your scores are not high enough or you don't qualify for other reasons.
Senior Loan Originator
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