freecreditreport.sinfree.net – try this service to boost you credit score before getting loan. After credit repair you can get the loan with minimal interest rate.

I agree with the other responder but credit scores have already increased to over 600 with some lenders and 620 with other. The mortgage industry is changing daily as the money is getting harder to secured in the market and investors are wanting higher scores hoping these loans will not default.
I f you can buy now I would tell you to get with a mortgage professional in your area and get pre-qualified to buy now even if you only qualify on your wife’s income as there are some great buys out there with the foreclosures up in many areas and you may get more house now than you think
I am a mortgage banker in TN & KY

talk with lender today. Have them pull a credit report and help you fix it. If you have judgements, pay them off TODAY.

On april 1, credit score requirements for mortgages are increasing. Act today.