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Unfortunately a 519 score is not acceptable to mortgage lenders these days. My best advice would be for her to work to improve her score which will likely take at least 12 months or more of timely payments to begin to heal her score to a level allowing her to be considered. Here in Michigan we have found homes for buyers by Sellers willing to sell their home on a land contract, or perhaps Lease with the option to buy. This can be a great opportunity to let a buyer with credit challenges buy a home even when they can't get traditional financing. Even then, a Seller is typically going to expect at least 15 to 20% down (to pay their commissions and costs and get "skin in the game from the buyer") and usually expect a credit score to be at least 600 or more in my experience. The lower the score the more of a down payment the seller would expect, and the higher the interest rate they would also charge. (Here in Michigan a land contract can charge up to 11%) Hope that helps.
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