As you've seen, most lenders are requiring a middle credit score of 620, but I have one lender who will consider a 600. Also be sure to check out the different down payment assistance programs at the link below that may make home ownership even more affordable.
I can provide information on how to check your own credit scores, credit counselors and home buying class information.
Please call if I can help.
REALTORÂ® Keller Williams Realty Atlanta Partners