No, your not in dreamland, you can have a reputable lender guide you to boost your credit scores. The bad news is a minimum 620 fico score is required. The positive news is I am a very active agent in Duarte (live and work in the community) and work with many local lenders that can help guide you to increase your credit scores in a timely manner. The city of Duarte also offers a great program for fist time Buyers as a silent second to help buyers move into to the city. I would be happy to guide you in the right direction to see if you can qualify for the $70,000 assistance and make positive changes to boost your scores. Stay positive, you are within reach.
Please don't hesitate to call or email me should you want referrals to lenders that may be able to help and guide you.
Lots's of Luck!
Dickson Podely REALTORS