You are really close, Elease! Meet with a lender there in Oakland. Sit down and talk with them. After they run your credit checks and history, have them show you where you could improve. Then make a plan and stick to it. I had a client with a lower score who did this and she called me in 3 months all excited that she had brought her score up so fast! Yes, she's now in her house. She did the work. We found the right home for her, negotiated the best price and she moved in several months ago. You only need to come up a few points - you can do it!