If your credit is good, let's say higher then a 660, then you probably qualify. if you are looking to apply for a mortgage and you are within the realm of financial reason, a 660 should be enough to get you a loan. the lowest credit score that has been approved was somewhere around a 500 FICO score. but it is also very rare for borrowers with that kind of credit history to receive a mortgage. always keep in mind that the better your credit score the less your interest will be.