A 575 credit score is the lowest score you can have to qualify for the first time home buyer program. There are many people whose credit scores are in the low to mid 500 range and I tell them they need to work on their credit and they should be able to buy within 6 months to one year. Firsthomebuyers works with a great credit counselor, Gary Novel, who can help you fix your credit and improve your scores. You can contact Gary at 630-624-9557 for a consultation or you can email him at Kreditguru@aol.com. He does charge a small flat fee for his services but you can get a rebate for the fee if you tell him Gerald Tribuzio from Firsthomebuyers sent you and you close a loan with us. Finally, I had bad credit 20 years ago with a 400 score, Ouch!, but I worked hard at fixing my credit and I improved my credit score to 720+ in recent years and now I have a great mortgage rate and low payment on a beautiful new home. Contact Gerald Tribuzio at 847-516-5743 for a phone consultation or email jtrib@firsthomebuyers.net regarding your credit situation and find out which loan programs may work for you.