I have an awful credit score (sub600), primarily because I had two chargeoffs four years ago (one paid in full, the other one I am paying in full right now). Anyway, my problem is that I can't use the GATE program because of this bad credit, and the GATE loan doesn't allow a cosigner either. Is anyone else in this situation? What other lender can I use that will let my cosigner vouch for me even with a sub600 score? Ideas?