I have a fico of 570 wifes is 605 will be selling property and will have at least 10 percent down on new home almost all my bad credit is over five years old all credit cards and a repo that i did pay off in southern california but relocating to houston area job history is good except recently worked 5 years for prevous employer then 1 year at last employer now relocating to houston with prevous emploeyr so is there any loans that might fit my needs or do i just have to rent a few more years untill my credit improves