I am an agent here in Brandon/Tampa area. Your best bet is to contact a few lenders directly. I have a couple lenders I can recommend but, please be very careful. What you think isn't strong may be perfectly acceptable for a loan as a first time home buyer under certain programs.
Please feel free to contact me with any questions you may have or if you would like any assistance in your home search.
Also if you buy a Fannie Mae owned home you may be able to get HomePath financing. It's a little less strict on credit score.
And.. VA foreclosed homes offer "Vendee" financing that may work if your credit score is too low.
Kristine Bredeau, Vice President
Mortgage Branch Manager
3725 West Grace Street Suite 300
Tampa, Florida 33607
Apply On-Line: http://www.KristineBredeau.com
First of all, congratulations for saving so much money at such a young age! I don't know what you mean by credit not being strong, but I do know a couple of lenders that you can get in touch with. They will not only be able to answer your questions, but if you can pursue a loan they will do a great job in guiding you through the loan process. Loan guidelines are constantly changing and they are best equipped to answer you.
Call Chuck Rogers Regions Bank (813) 230-1249
OR Jayna Hammel Wells Fargo (813) 323-1717
Best of luck to you and if I can be of any assistance in your home search, I would be happy to help!