Is there a chance of receiving a mortgage in Durham, NC with less than perfect credit?My Score = ~620 (credit karma)My Girlfriend = ~675 (credit karma)I was wild in my younger days! I had a vehicle reposessed in 06 or 07, and I just found out about a ~$250 judgement for vehicle personal prop. taxes from 2007 in VA. There was also a cell phone bill and credit card bill that went into collections around the same time. Another major problem is that I haven't really had any credit for the last 6-7 years.Next problem is my employment history is starting over as well. I have been working as an Executive Asst. in an apprenticeship type situation at TROSA for the last 3 years. I have just been offered a job with a newly formed Venture Capital/Intermediary firm making 38+ benefits. My girlfriend makes 20-25k/yr but she has the same employment history issue. Combined household income is roughly 60k/yr. We both own our cars and have no additional credit at this point. If I forgot to mention we are looking to apply together.Is there any hope for us? Renting is such a money pit and we would love to start our lives in a new home. I have found several nice homes in the 100k - 125k region. Any information would be greatly appreciated! June 01 2013 - Durham0YesReport 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.