You've had a couple of lenders weigh in on your chances, and so far it's not encouraging. I do have some suggestions for you however. First, the score you obtained may not be the ones a lender gets when they order your reports. Lenders pull all three credit reports and generally use the middle score. Yours may be higher or lower than what you've reported.
Your score is a reflection of your credit patterns, but this can change and your scores can improve. Since you have a credit report, review it and see if the information is accurate or not. If you find errors, go to the reporting companies site, create an account and dispute them. You'll need proof, like a recent statement from the creditor showing you paid on time, or the balance is lower.
Next, pay down any balances you have to 1/3 or less of their high credit and keep your balances low. Low balances on credit accounts show self control and credit worthiness. Don't close any accounts, this will further lower your scores. Just pay them down and keep them open.
Finally, create a budget if you don't have one and put your bills due date on the calender. Pay them early for a while and establish good history.
Following these habits will restore your credit, raise your scores and improve you chance for approval. As others have said, it's not just your scores, it's your overall credit history. The sooner you put this into effect the sooner you can own, and this can happen sooner than you might think. Best of luck and let us know how things turn out.