text: Yes you can. You may pay a higher interest rate, but it is very possible. \nA few things to make sure of first. is that you can afford the payment of the house you're buying. Make sure to make payments on time once you buy. After a year of owning and paying on time. your credit will look a whole lot better. \n And your brother's crdit is considered more than accpetable at 640, and your dad's income and ten year stability will seal the deal.\n I am a loan officer. I can help you get started if you want. kinev2010@yahoo.com