can i get a loan with a fido score of 615

It depends on other items, not just score. But we go off of FHA guidelines that allow down to 580 credit scores.

Yes but here are some other factors we will have to look at my number is 513-226-9052

Maybe... As your score drops, the odds of loan approval drop too. The credit score cliff is around 620 - 640. Scores above that generally are OK, while scores below that get problematic, but if you have a large down payment, your approval odds are better. I simply suggest completing a full application with a local mortgage broker, and see what happens. For this situation in WI, MN, and SD, visit me at www.WI-MortgageBroker.com