<prompt> Human: Hey!Backstory:Im 25. I really want to buy a house, Ive been in apartments since I was 18. I have an above average salary,for someone without a degree in my area, of 78k. I used ti have great credit but I screwed it up when I lost a job a few years back. Ive never applied for a house loan becuase Im just assuming Ill get denied. Ive tried googling, but Im struggling to get some specifics. I can definetly afford a house, and Ive got my dream career and get around a 5 raise per year. So my question is as follows:Can I get approved for a house loan with poor credit and no substantial money to put down on the loan? My credit is around 590-600 right now I believe. Up from 525 this time last year.Thanks for any info. Id be greatly appreciative!  <response>: No, now is not the right time. With your credit you need 20 down and a couple years of on-time payments without more derogatory remarks. 