I am going to say a crazy thing as a realtor. Don't buy a house right now. It is my experience that "horrible" credit comes from somewhere, and that issue is only magnified when you buy a house. Take some time to save up some money, and build some good financial habits.
Come back to the table in a year or two with some money and a better credit score. Not only will you be better suited to handle what life throws at you after you buy the house, but you will also be able to get a better terms on your mortgage.
PLEASE contact me. I'm an agent who always ONLY deals with buyers and first time buyers are my specialty. The type of service we provide is tailor made for first time home buyers. Please look at my website and call me to set up a meeting. I would really like to talk to you to help you determine what's possible for you and your fiance. Stay in touch!
I have a lending partner that maybe you should speak with though. She is excellent at helping and guiding people on how to get thier credit repaired. I had a client that needed some help in this area, and she guided them in what to do and withing months thier credit score had jumped dramatically.
There not be a mortgage program that you qualify for today, but with work, and time, I'm sure she could get you into some sort of decent loan program.
If you like to e-mail me, I'd be happy to help you get in touch with her.
I am just following up with you to see if your credit has improved?
Do you need any help with approval for a mortgage?
If so I would love to help you
Feel free to contact me anytime.
As an experienced real estate agent, I know what it takes from start to finish helping buyers to get BEST deal possible and finding a home. I bring expert knowledge, valuable experience blended with the latest technology, a well-defined marketing plan, a comprehensive network, energy, enthusiasm and the excitement of a job well done
I would love to help you buy a home. I am very familiar with your area.
Please contact me today.
My contact info is below.
Ravit Berg @ RE/MAX Results
Cell - 952.334.4179 | F - 651.460.1272
email@example.com | https://www.facebook.com/ravit.berg