Absolutely you can get a loan...but not just yet. You are only 31 credit points away from having the score you need to qualify for a loan and there are ways you can increase your score to a 620.
Some will say you can get a loan with lower scores. That may be true, but you will pay dearly for it, in points & the rate. I would suggest you wait & work on your credit scores. You're not that far off. How, you might ask? One way is taking advantage of a free series of videos & other information to help you improve your credit scores, available here: http://www.dbnurture2.com/signup.php?username=roz&c=c
- I am not licensed to originate loans in your area, so I want you to know I am just trying to help you as a newly graduated RN. Congratulations!
I also suggest you that you find a Certified Mortgage Planning Specialist (CMPS) who will review your credit scores with you & then lay out a plan for you to follow to get those scores up. There is other criteria for getting a loan besides your credit scores that they will go over with you.
Don't give up - you're pretty close. Feel free to contact me if I can answer any questions for you, I'd be glad to help.
All the best,
Roswell Moore, CMPS
Certified Mortgage Planner
We are a Direct Lender, Mortgage Bank where we originate, process, underwrite and fund FHA, VA, USDA, Jumbo, Conventional, loans to Canadians & other Foreign Nationals, on time. NMLS ID 263779 | AZ BK 0903725