I have just above 600 credit score and 1 year employment and 1 year unemployed. Do I have to wait?I talked to a lender last year she told me to wait 1 year and call her this year, but I have heard it is a 2 year requirment for a loan. Also, my score is still low. I make 34k a yeargross and interested in homes in my area for 33k to 42k. I have no debts. Just made some mistakes in credit 6 years ago. Unemployment was due to a lay off in 2010 and was on unemployment most of last year until Oct. of 2011.November 10 2012 - Fultondale00YesReport 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.