my husband and i found a home to move into. The actual cost is less than what we qualify for. We had a bankruptcy back in 2012 and our scores are slowly going up. Unfortunately, they're not high enough...around 620. Can you help us with a down payment or do you know where we can go for help? Right now, we're paying $1600 a month on rent (which we have been paying for 3 years). I know we would have no problem paying the house note since it would be less. But, companies don't look at that. They want the score. Any ideas? Thank you!