Thank you for your filling out the qualification quiz. Based on your answers, it appears that you need to do some work on your credit before qualifying for a home loan.
It’s extremely difficult to get a home loan if your credit score is below a 580.
Keep in mind that Credit Karma scores are different than the score that mortgage companies pull, so feel free to reach out to me at 937-572-3713 to get a more accurate look at your credit score.
The next step is to get some credit repair. I highly recommend Platinum Credit Now. They are local and have been in business a long time. They can be reached at 937-449-0911.