Can I obtain a mortgage in the state of MN with a middle score of 612

You should be able to finance with FHA, if your income and debts are in line with the guidelines.

Alot of lenders do not do FHA loans below a credit score of 620, but a few will. the rate will be a little higher than for greater credit scores. However, it is possible if your credit is improving rather than going in the other direction, that you can secure a loan. The mortgage bank we are a part of likes to do them. If you do not locate anyone in Minnesota, email me and I will direct you to an associate who does loans in MN.