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I know of a lender that will do fha loans with scores of 580. But thier fees are very high and they charge you the maximum rate possible. Since you aren't closing until April I would recommend working with a local lender and have them pull your credit. Some times the lender can assist you and have you payoff a few items or pay down a few items and your scores will increase. Other times we may refer to to a credit repair company that can legally help you get some of the items removed from your credit report. I have seen these companies get medical collections removed in the past. They typically charge a fee of about $400.00 to assist you with getting your credit repaired.
Wells Fargo new "purchase" program is people can qualify with a score of 500 or above. Only purchases, not refinance. That is in Tennessee anyway.
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