You do have hope! My company will go down to 531 credit scores on purchases with and FHA insured loan. You have to have 3.5% to put down on the property and have shown some credibility in paying off your recent debt. Rent checks, auto loans, credit cards, utility bills, etc. all work. My contact number is 888-536-3001, ext. 1540 and my email is firstname.lastname@example.org. My name is Jake Johnson. Talk to you soon!