can I get a home mortgage with a credit score of 654 and income of $1200

Score is low, but probably OK. Income determines maximum loan. Generally you can buy a home up to 4 to 4.5 times your income. So a $1200 a month income is $14,400 a year. That generally will mean a maximum house purchase price with a small down payment around $60,000.

We have a couple different loan programs to help you purchase a home.