Work an actual repair plan. A mid-600s score can realistically become a 680 in about 90 days of focused effort, and that changes what you can buy. Waiting and hoping does nothing on its own. A reputable credit-repair company usually runs a few hundred dollars over roughly 90 to 120 days, and we would steer clear of any firm charging thousands or keeping you on the hook for a year and a half with no real progress. Be wary of ongoing-fee services that underdeliver. As a general rule, we are not eager to see someone with a sub-640 score buy yet, and that has nothing to do with whether they deserve to. Getting into the 680-plus range opens meaningfully better options, including conventional financing and the HomeReady and Home Possible programs, with stronger pricing than a lower score gets. Jeb's read is the same: moving a mid-600s score 20 to 30 points into the 650 to 680 range is usually not that hard to do fairly quickly. We cannot promise a specific number for your file, since the answer depends on what is on your report. The smart sequence is a soft-pull review, a short focused repair effort, then buying from a stronger position. The free Roadmap conversation is where we lay that plan against your actual numbers.