Hi Michelle, you have gotten some great advice, and I would add just a few other suggestions. First, and foremost, interview 3 loan officers of your choice that offer free credit repair to help you. Interview them as if you were hiring them to babysit your children, or investing your money for you. ASK a LOT of questions, and choose ONE you feel most comfortable with. If you are starting out with low scores, you really only want your credit pulled once, because multiple pulls can actually lower your score even more.
Make sure they are members of the credit bureau, so they can correct your credit and get you rescored within a few days. If you have issues that are not mistakes, they can outline a plan for you to get your scores up.
In this market, with low credit scores, it is imperative you work with a lender that still has options for folks with some bumps in their credit file. There are a few left!!!!
I wish you a great experience, and hope these comments help you! Jim