can i get a loan with no bank account because of bad credit my hsbnd hs acct my crdt540 his 620 total inc. 95K?

we are both working for many years but ruined our credits in younger days now it’s hard to get it fixed eventhough we always pay our bills and rent but we cant pay off the old debts and clear the bad credit. Can we get a loan to buy a house for 235k-350k?