You should speak to a lender. I have several I work with who specialize in credit repair. What that means is that they take a look at your credit and find ways to bring up your credit scores. It may be as simple as getting errors in your credit history removed or paying down a few debts. It could take a few days to bring your score up or a month or so, it just depends on your credit history. One lender to cal would be Tony Rovella at Top Flight Funding 708-203-4379. You could be out shopping for your new home in no time.
Keller Williams Preferred Realty
16123 S. LaGrange Rd. Orland Park, IL 60467
Cell (708) 699-6202
Fax (708) 798-1136
Email - Buyfromnancy@gmail.com