Bad Credit Mortgage

Having a credit score of around 620-640. garnishment of wages past (a year ago), but in anticipation. car cover past (why the garnishment.) other things off-load. Just looking for a mortgage of $ 25K or less with $ 10K for the down payment. With today's economy, there is no chance of finding a mortgage company? What kind of rates should I look?

I will not say it's impossible - that the lender can look at your actual data can say that - when people from more than 700 still can not get loans, I would say the chances are not great.

You have nothing to lose by checking it. Just go talk to a couple of lenders and find out. Having an advance would be a huge advantage for you.

Your credit score is not that bad. And asking a lot.

Talk with a lender (or even 2). Chances are that you'll be charged for small compromises.