I have $40000 for down payment and can not obtain home loanI make $54,000 year and employed for past 4 years. I owe 3,000 on car loan 2,000 on credit card. My scores are between 620 -640. I have been paying off my old medical debts which is below $1000. My lasts scores are 625-640. Any suggestions.April 15 2013 - Savannah00YesReport 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.