Try a credit union. We had a 495 in January (eewww) and financed 26k..but at 11%. Hello refinancing! Credit unions can be a lot more lenient.

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Starting Score: 492 02/12
Current Score: TU: 668 (FICO), EQ: 668 (FICO). EX: 651(lender pull 9/27/12)
Goal Score: 660