Does anyone have a mortgage that has a high interest rate because you have bad credit? If yes, how it is.?

My husband and I are trying to get a loan, but at home our credit is not good. His score is 601 and I 583rd is the only way for us to have a house immediately. We try to approve by a company in Ga. This is a ready 80/20. The interest rate is up in 2 years, but we have our credit device by then. We pay a lot rent today. Any info would be greatly appreciated.

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