Generally, the minimum credit score for a first time home buyer loan is 620. While some programs did exist below 620, they required higher down payments (e.g. 5%, 10%, etc.) as opposed to the minimum 3.5%. On HUD owned properties, there is a $100 down payment program with a credit score of 640+. For more information on down payment programs, go to: http://www.syan.com/down-payment-programs
If you have challenging credit, all we need to do is determine what it is that is effecting it. You'll be amazed, in a relatively short period time, you can boost your score to the minimum needed to qualify to buy a home.
I can connect you with a mortgage specialist who can assist you in getting qualified. Together, we can work towards getting you into a home.
For more information on buying a home, go to: http://www.syan.com/buying
Syan Real Estate
Call.Text: (505) 730-8181