Thank you for your filling out the qualification quiz. Based on your answers, it appears that you may need to do some work first before qualifying for a home loan.
I typically work with borrowers who have a credit score of 580 or higher.
If your credit score is 550-579, we can do the FHA 10% down program. However, keep in mind that you will need a lot of savings in your account to be able to take advantage of this. Typically, the few borrowers I find that go this route are selling their current home before closing.
If your credit score is below 550, that is in the subprime range. We will need a HUGE down payment and much HIGHER interest rate to make that work. Typically I do not recommend this plan.
Keep in mind that Credit Karma and other online services typically DO NOT have the same score as that I pull. Feel free to reach out to me at 937-572-3713 for a free credit check.
For most borrowers who have a credit score below 580, the best solution is to fix your credit.
The best way to do it fix your credit quickly is to get the Credit Repair Kit from Credit Repair Magic.