You do know that mortgage loan officers do not make the final decision on mortgages - underwriters do. All a mortgage officer can do is give you a tentative approval based upon a preliminary review of your application. In all honesty, unless you can come up with at least a 20% down payment, there is probably very little chance that you can get approved for a mortgage with that credit score. A few years ago, you probably could have qualified for a sub-prime mortgage (credit score below 620), but these days, banks and lenders are not approving sub-prime mortgages without high deposits and lots of paperwork.
Call around to mortgage brokers in your area, explain your situation and see if they know of any remaining sub-prime lenders. Be prepared to pay up around 5.5 to 6% interest if you can find a sub-prime lender.