You are looking for a private money lender. Not a hard money lender. Hard money means expensive. A private money lender is someone that for example is early 1.5% in a CD. You might be able to offer them a 5% interest rate for a first mortgage for you. I would suggest you consider an 80% LTV with a 5 year balloon.
You might also be able to get into a property with seller financing.
you might also be able to acheive home ownership through a lease option or a rent to own.
Finally, you will want to work on your credit rating because of all the benefits that good credit has to you as a consumer. Utilities are cheaper with good credit, better mortgage products for future are available with good credit. If you finance a car the interest rates will be better if you have good credit. No or low interest rates on credit cards and positive results for job screenings.
Hannah Fliegel, FICO Pro
The Credit Repair Expert
Not to rain on your parade but that is not the only thing lenders care about. The way you manage all of your debt and obligations is how we measure the risk that we have by lending to you. In addition, any bad debts can turn into judgements which can be slapped as a lien against a property that you want us to finance for you which implicates our financial position in the home.
If you have a 600 credit score and can prove these other debts are paid or satisified then I would be happy to help you with financing.
All the Very Best
Dave & Lisa