Can I buy a home with a 650 credit score?

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      Anonymous
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      I make $ 57000 a year now. I have no money for down payment/closing costs – maybe $ 3000. My credit score is 633 currently. Haven’t been late on payments in 3 years. I have 5 credit cards in which 2 of them are near the credit limit. Would I be able to get approved for a mortgage to purchase a home with this scenario? I live in Arizona where homes have lower mortgage payments than rent. Don’t want to run my credit to try if I know it’s definitely not possible.

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