credit score 619 spouse 600

Those scores are very low for home financing. While there are many variables, those scores will usually get you denied. And if you can by chance actually get approved, expect to get higher rates. Best to try improving your credit scores before applying for a home loan. I lend in MN WI IA SD ND. Find me at VAMortgageMN.com - Cambria Mortgage, NMLS 274132