How can I get a mortgage with a 480 credit score?

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I have an average 480 credit score but a local lender told me I needed at least a 580 to qualify for a FHA loan (1st time buyer/low down pmt). My boyfriend (co-borrower) has a 700+ credit score and they still wouldn’t loan us the money. Our income is decent and I have started cleaning up my deliquent accounts, what can I do to get into a house now?

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