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Help please! Mortgage question


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Is it possible to get a loan with a credit score of 560-600?? I do have a couple CO's (all paid)-depending on which CRA you pull- and late pays still showing on my CR. However, most of the lates were last year, not recent. The CO's were last year also.

I am trying to qualify for the 100% loan (Freddie Mac, I think) no money down, etc. But the score needs to be at least 620 to qualify for that and I need to purchase now. (not quite back up to 620 yet, but working on it)

The big problem is I don't have down payment funds, but do have some cash for closing, however.

What are my chances, FHA, anything?? :?



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