Buying a Home with Poor Credit/Charge OffsI am getting married next April, and my fiancee and I want to buy a home. We have not had stellar history with credit. I have credit scores of 553, 596, and 585, and hers are slightly higher (some over 600). I have a couple of one to two year old charge off accounts (with $0 balances) still on my report, and a couple of 30 day late payments in the past year or so. Her payment history is similar. Combined, we make about $90k per year, and have $65k in student loan debt, and $12k on a car loan. We have credit cards with small lines of credit ($500 and $300) that we pay regularly. My question; what will it take for us to get a home loan? Is it possible to get one now, with a large downpayment and high rate (not ideal)? We live in a stable housing market with decent homes priced at or around $150k. I would really like to stop renting in the next 1-2 years, and I can save up a decent downpayment over that time frame. Thanks in advance for your time!July 18 2013 - Rochester00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.