I don't do loans in Cali, however, you'll need to find out what his other 2 scores are. Lenders go based on the middle of 3 scores. I would also recommend he not pay anything off until he talks to a lender first. Credit affects the score up to 12 months in most cases. If he pays off any accounts, he will have new collection account with a zero balance, further lowering his score. He may end up having to open a few credit cards and let them season for about a year. Make sure the balance is less than 50% of the credit limit and that they are not finance companies (banks that lend to people with bad credit) giving him the loan. He'll have to have a co-signer for better companies. He can also add himself as an authorized user to someone with good credit to increase his scores. He still has to have his own credit too. First Guarantee Mortgage is a wholesale company (speak to a broker) that does loans as low as 530 with 25% down (borrower's own funds in most cases). The question will be if he is financial ready to own a home. He'll have to do a lot of explaining.