There are still programs and possiblities for people with borderline good/fair credit. I advise you to speak to a professional Mortgage Banker in the industry who specializes in analyzing and guiding clients to bring up your scores. I have personally seen clients lower their scores thinking they were repairing it. Sometimes it's as easy as making a phone call to the company reporting your liability. I have helped many renters and buyers in this position. If you need help call me at 978-502-2998.