The seller may be willing to carry financing for you. You make a down payment, they transfer title to you and then you make a monthly payment to them.
You can work on your credit to improve your score so that you can obtain quality bank financing. You can get a mortgage with less-than-perfect credit but you will pay a higher interest rate. You can get through life with less-than-perfect credit it just makes it that much harder.
I have written blogs here about credit score boosting strategies you can read over those and see if that is helpful to you. Good luck!
The Credit Repair Expert
First thing is to know exactly where your credit score is? Have you tried contacting a mortgage professional to see if you have a high enough score to get financing?
You can use the find a pro feature up top to find a mortgage professional in your area.
Or if you want, just drop me an email at sean.dawes@LNF.com and I can pass on info to a mortgage professional who should be able to help you in SC.