Answer: -Virtually anyone can get a loan with two key components - sufficient collateral (the house?) and a high enough interest rate and up front fees to make it worth the risk to the investor. Remember, a mortgage loan is from a person or group of people hoping to make money by lending to you. Your low score means you are a high risk. Most lenders don't lend to high risk, but some specialized. You just pay through the nose. Back when rates were 5%, I sold a house to a person who got a 12% interest rate. I'm sure the high risk rates are higher now.You might look for a rent to own situation, building a down payment while you repair your credit. You could also consider finding seller financing - in markets like ours where sales are dead, this might be easy to do. The seller's realtor will probably steer them away from you unless you can get a loan for a downpayment (which is what 100% financing almost always is - two loans, one for 'down payment,' the other for the balance. Have you talked with knowledgeable people about your score and how to improve it? I don't mean pay someone to improve it - that's typically a rip-off. You have a right to see your credit reports and it's good to check for errors or correctable situations. Now, the credit bureau score is not your FICO score, the one lenders use. There is some relationship, but they are not the same. The FICO score is very sensitive to how much debt you have, but paying it off isn't always a good thing - which is why I suggest reading a lot about it or getting advice from a knowledgeable person.Apply on line with lending tree or such sites that have brokers contact you with offers. Because of your low score, you will have high mortgage fees anyway. Be very careful to make sure you don't get a lot of junk fees. -Call a mortgage broker...look in the phone book with ones that specialize in bad credit. MOST say you need a 580 score for a 0 down....so you're super close. They go by your middle score, so you need to know all 3 scores and go with the one in the middle. HOwever, it will be an 80/20 loan (two loans- one at a lower inteerest, like 7-8%, that covers 80% of the amount, and one that only covers 20% and has a rate as high as 12-15%. )You'll also probably have a prepayment penalty of 2 years if you try to refi befor then if your credit is better...and those can cost THOUSANDS!