A mortgage broker/loan officer can tell you about loan types available to people with less than perfect credit scores and a good one will even work hard to get you qualified if you are just on the edge of approval. However, until you are to that point, a mortgage broker/loan officer will most likely refer you to credit counseling agency.
Credit counseling/repair services have helped many people turn their finances around, but be cautious when selecting help. Any claims of "instant credit repair" should be a red flag that a scam lies ahead! Even non-profit organizations have been found to take advantage- so you must be careful.
The National Foundation for Consumer Credit is the nation's oldest and largest non-profit financial counseling organization. To find a local office near you, visit www.nfcc.org.
A recent publication by WAVE 3 tells what you can expect from a legit credit repair agency. Just follow the link below...and may the odds be ever in your favor! :)