Thank you for writing. We have a great article about buying with a fair credit score, https://themortgagereports.com/22862/mortgage-options-with-a-640-credit-score
And today there are even more programs available if you have a big down payment. But lenders are getting more relaxed about guidelines every day. If you complete our short form, lenders will be happy to help you get your best deal with the score you have.
Thank you for writing.