How to find a lender-- mid score 595Hi everyone- I am trying to find a lender for my husband and I to buy a house, only 80,000-95,000 worth of house. We pay $650 in rent, and with a VA loan, USDA loan or a FHA loan, we would be paying less total, somewhere around $550. We are disabled, and have permanent social security income, $2000/month. My credit score is dismal, I have some student loans I cannot get out of default, and cannot pay on (very long story, the company wants all money or no money). So, we would be using my husbands credit only. His equifax is 550, experian 595, and transunion is 636. He qualifies for a VA loan. We have been told over and over that we have to have a mid rating of 620. His score is low because of no recent credit history, and some large medical bills that are 5 years old. I keep reading online of lenders accepting credit like ours, but none list the names. Anyone know a lender that might take us on? BTW- We really do not like taking on new debt like credit cards, which seems to be the only way to raise his credit. And, we want to let the medical bills fall off the credit report. Is there any other way to raise it?October 01 2011 - Cedar Rapids0YesReport 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.