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Talk to your bank or a lender, they will advise you on how you can bring your credit score up. Buying a home is a great investment it sounds like you are on the right track!
Just the score may not be the only factor, please consider your assets and employment.
If you are a first time buyer, you may qualify for an FHA loan at 600. You're not that far off! The first thing you should do is speak to a lender. They will be able to tell you what you need to do to raise your score. I also suggest speaking to more than one lender. Some lenders have special programs that are not offered by others. However, if you are going to shop lenders, make sure you do so within a 2 week period if they are going to pull your credit so it doesn't hurt your score.
If you are a first time buyer, you may qualify for an FHA loan at 600 (depends on the lender). You're not too far off! It's a great idea to start by speaking with a lender. They can let you know what you need to do to raise your score. You may be surprised to find out that what you think you may have to do (e.g. pay off all your credit cards)is not always what you should do. It's also a good idea to speak with more than one lender. They all differ slightly and some offer special programs that may not be offered by others.
you ant buy yet but at a 580 score you can, contact me and i will show you how... 630 670 8266
Some lenders are now doing home loans with low fico score.
Most lenders have a 620 minimum credit score. Talk to a local lender that can maybe help you raise that score.