You might be able to get an FHA loan if the lender is willing to go with FHA's minimum score of 500. However, most lenders require a higher score than the minimum---usually around a 620. If you do manage to get a loan with a low credit score, your interest rate and your payments will be higher because you're more of a risk. If you had help, you could probably improve your credit within 6 months to be able to qualify for a better loan. If you would like some information on credit restoration services, I have a contact who will help you restore your credit. They do not charge a monthly fee like some other companies.