If you have a steady job, no bankruptcy, foreclosure or judgments, you can probably get a loan with that credit score. To qualify for $130,000, you will probably need at least $45,000 annual income. But there are a LOT of variables. I'd call Ryan Estes at Bank of America. You can reach his assistant, Leanna Wooten at (877) 544-2429. Or try Ryan at 704.919.4715. If you need a good realtor in TN, please let me know.