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It is always best to consult with a lender to find out exactly what might be available for your situation. They will look at your score, debt ration and more to find out exactly what you can qualify for. In fact, I can give you info on a few real strong lenders in this area if you're interested.
Most guidelines for mortgages require a credit score of at least 620 and a debt to income ratio of 45% or less.
To determine if you qualify, you would need to speak with a lender.
Loans typically go through a mortgage broker or a bank. Scores depend on what type of loan your getting. FHA tends to be less strict on scores as I believe they will go in the mid 500 range. This changes though so consult with a local bank or Mortgage Broker. Good luck to you! :)