Actually you are pretty close. But that score is relative depending upon where you got it from. If you got it from an online source, chances are it is lower than your 'Factual' credit score, or the one that you will receive on a Tri-Merge Credit Report pulled by a mortgage professional.
Nationwide, most lenders will have loan programs available in the credit score range of 620 -640 with FHA/VA/USDA financing. Check for State and County bond programs in your area, too! They can be a great way to save money on down payment, closing costs and other costs associated with purchasing your new home.
Jon Griffith is absolutely correct in that you will need to check with a mortgage broker serving your area. It may be a good idea to ask Jon who he recommends since he is there in your local market and probably has someone top notch available.
If you find that your Factual credit score does not add up - call or email me as my office also handles credit restoration services and can often get those scores up quicker than you might imagine possible. I can be reached at 253. 961. 3613 or email@example.com.