<prompt> Human: Hello all! Long time reader, first time posting. Looking to buy a house, talking to a local lender tomorrow morning axia is the name of the company I think. I have never done this, are there any tips or things to lookout for to help me in this situation. My credit score is almost to the 600s. I make roughly 60k, and my fiancé is about to make about 40-50k also. Were moving to portland next month, and would love to buy! Are there any 1st time home buyer deals that I should know about before meeting with my possible lender? Its almost midnight on the west coast PNW, so Ill reply when I wake.  <response>: My credit score is almost to the 600s.With a credit score that low, you better be prepared to get some terrible mortgage rates or flatout denials. Honestly, you would be much better off waiting to buy until your credit score is in the low-mid 700s. 