What kind of stipulations do they usually require along with the 620-640 fico score?

Since you'll be seeking financing ($10k down), my advice would be to get savvy on underwriting guidelines (especially Debt-to-income ratio) and make sure your credit score is in tip top shape.There are definitely markets in that price range!

On a $100K property a $20K down payment along with a decent credit score should get you in the game.

One of my customers went to them for help, and he asked for references, and they said they don't provide them, but he still went through them, and he said 10 days later he had 12 inquires on his personal credit, which tanked his score and no loan.Joe Gore

We are incredibly flexible in our location but would like something between Dauphin Island, AL and Seaside, FL.

Thanks for the reply Charles.Like I said we have an appointment set so there's still a lot to be figured out BUT:She is not incredibly motivated to sell but in such a situation I would think it will happen quickly once she realizes the time crunch she is in.

Screened a number of people, found a guy with a 750 credit score, moved him in over the weekend.

In fact, if you sat down with them, I would bet they can put an incredibly precise definition on what they are interested in buying and what they aren't interested in buying.

I think my credit score is low 700's , will that affect things?

That's just incredible!