Hello, I'm a mortgage professional.
You can get a loan with as low as a 580 credit score. If you have a score at or above that you would only need 3.5% down payment and you are even allowed to roll closing costs in using a sellers concession.
There are other programs available if your score is higher.
If your score is not above 580 we have a way to raise credit scores quickly, usually within a few days depending on your situation.
I would need more details to determine what you would qualify for.
You are welcome to get in touch with me if you have any questions or would like help with this.