I have a score of 612 and several judgments against me
You could get a loan.
Try a small bank or credit union.
“The big banks are simply not ready plus”
You will be surprised.
Have your credit report if you can.
Your guests will not improve by the payment of such judgments or collection items, but …
FHA does not look at the score.
You look at your report in detail and find the items paid for and make their calculations.
That is why you see people with 600 marks got Home Loans.
They clean their balance sheets.
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