aFinally got our loan a year after the post. 1st we got a secure credit card from capital one, to help build credit. We found a bank owned house from a forclosure, searched county records to figure out extactly what was owed on the property, then I went directly to the bank and made an offer. I told them this, "I have a poor credit score but have good income, a 7k down payment and would be willing to switch all of my banking needs over to there bank." They refered me to their realistate agent who was handling the property, and from there I made a real offer on paper contenginent upon the bank, that had the forclosure, to finance to loan. They said yes. The bank was a credit union.
I found that in this area it is a cut throat realistate market with a huge insiders club that controls nearly every piece of avaliable property in the area. There are no real jobs in the area so realistate is basically how everyone is trying to get rich. Doctors and lawers buy up every piece of property, and then rent each room for $500 a month to colledge kids. Most agents will not return a phone call or an email. I would suggest cutting out as many realitors as possible, because I have found, most are lazy crooks and are just looking for easy money. If you try to become a realitor, the compitetion is fierce and the will try to run you out of town.
Thanks for all of the replys. A 662 credit score, from my experince, is not high enough for any home loan. My advice to myself would be, build credit for another year, study the market, and approach a credit union. Take advantage of the county auditors web site and online tax records. Cheers.