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you need a 620.

With that score you cannot even get an FHA loan, minimum 620. Work on improving your credit score first, then see about mortgaging a home

it is possible if you have at least 50% down payment then there are still a few hard money lenders out there with rates about 15%

the minimum credit score needed for a traditional lending source is 620. You will need to find something where the owner will hold the note.

I **** to say this but your score is horrible. There is no lender who will go this low- even when we were doing sub-prime lending it had to be a 580. Now 620 is the minimum and that is not considered a high score.