The fact that your credit score is below 620 can be based on several factors. If there is lack of credit history, you may be able to build your score by reporting credit lines you may have that have not been reported. If it is derogatory history that is unfounded or reported multiple times, it may be removed. If it is bankruptcy or foreclosure, it is often at least 4 years before you can buy through a conventional lender. There are many things that bring down scores and a good lender or credit repair company can help you through this process.
You may be able to buy a home if you can get your credit up some or if we can find an owner finance home. There are approximately 900+ homes on the market right now in the Houston area that are owner finance.
Please use caution in using a credit repair service. Be wary of anyone who wants to charge high up front fees, as there are companies that do not do this.
Buying a home for you is NOT impossible. It may take a little time and effort to get there, but do not give up. Owning your home is definitely worth the time and effort it may take.
Prudential Gary Greene,
The Woodlands, TX