Hello, I'm a mortgage professional.
If we can get your score up to 580 I can help you get an FHA mortgage that only requires a 3.5% down payment. You can even roll closing cost into this loan.
I have a rapid score credit simulator that shows me what you can do to get your credit score up quickly, sometimes in as little as 3-5 days.
So getting to a 580 is very possible.
If you have any other questions or would like help with this you are welcome to get in touch with me.