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I can tell you this much, most people can't get a mortgage with a 500. You can speak to a lender about what your options are, and begin to direct you down the right path. But there is a reason your score is that low, and it will likely keep you from getting a mortgage AT THIS TIME, but you can fix it. You can get copies of your credit reports at www.annualcreditreport.com. You can learn a lot about credit and how to repair it yourself at www.myfico.com. I can tell you from personal experience that it takes some effort, but virtually ANYONE can get their scores up with the right action.I just don't believe there are many lenders who will completely walk you through the process, when it could take many months. And, please, please, avoid using a credit repair company, I have yet to hear a good result. Good luck, and I hope it all works out well.
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