Can you get a bad credit mortgage loan anymore?
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I won’t says it’s impossible – only a lender who can look at your actual data could say that – when people over 700 can’t always get loans, I’d say the chances aren’t great.
You have nothing to lose by checking into it though. Just go talk to a couple of lenders and find out. Having a down payment would be a huge help to you.
your credit score isn’t all that bad. And you are putting down a lot.
Talk with a lender (or even 2). Odds are you will have to pay off the small charge offs.