House loanMy credit is fair but it is below the 620 mark that most mortgage companies are looking for. The reason my credit is so low I got hurt in 2004 and was flat on my back in the hospital for 6 months then through rehabilitation for another 6 months. I lost everything my cars, credit and just about everything I own. That being said I had student loans which the Government has taken over completely since I am not able to work full time jobs. I get SSDI and it less than 1000.00 a month. My fiance and I want to buy a house together and with her income from her job and my income we can swing a payment of 625.00 a month and not put a strain on us financially. Problem is she has really bad credit due to loans not being paid. Question who is going to give us loan? I mean who can loan us the money for the mortgage and we have 3000. in grants we can use as down payment. Everyone we talk to says that we wont be able to get a loan until my credit is up to 620 but that can take months and we have found our house and payments would fit our budget. The house is listed at 105k but we think we maybe able to get it for 90-100k which would be perfect for us. Can anyone steer me in the right direction to get this mortgage loan and I am working on getting my credit corrected and I have hired a credit repair firm to take care of it for me. Most of the bad credit is like from 5-7 years ago and all of the accounts were paid except for the student loans which the Government has taken over.May 13 2010 - Cumberland00YesReport 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.