I am going to assume that 669 is your middle credit score for loan purposes. For example if you had a 610, a 669, and a 710, your 669 would be the score used.
That being said, you would be a good candidate for USDA financing ad because of your score being over 620, it wouldn't even matter if you had open collection accounts, etc.
Because of that score you would even be allowed some leeway on qualifying ratios for your payment. Best of all is the program allows for 102% with no mortgage insurance. You must be eligible income wise however and the property must be eligible also.
The ratios are generally 29% for your front end, and 41% for your back end, however that can be expanded if the house is a newer house. That back end ratio can also be expanded upward because of your good credit.
All this means that if you earned $40K a year, you could carry about $600.00 a month in recurring installment debt and have your total house payment be about $1,000.00 per month.
$130,000 loan amount at 6.25% for 30 years would be approximately $801.00 a month. To that you would need to add your property insurance and real estate taxes monthly amounts.
The fact there is no mortgage insurance might help you buy just a bit more house.