I got notice that there were other responses to this question.... and I realize that I could have been more clear.
We do not have enough information..... We need to know your scores and a loan officer will absolutely have to review your credit reports.
You will have the best chance with FHA financing but you will have to put 3.5% down.
If you are looking to buy in Merkel, you may qualify for 100% USDA financing.
For more questions or details please feel free to contact me at your convenience. Thank you.
Read this book (free download) and let me know if I can answer any questions.
If you do not qualigy now, they can assist you in what you will need to do in irder to quailify in the future.
Please see my blog for tips and advice on getting a mortgage
Most lenders will be able to help you get on the road to repair your credit.