I can pull your credit for free if you wish.
Joel Lobb (NMLS#57916)
Senior Loan Officer
Key Financial Mortgage Co. (NMLS #1800)*
107 South Hurstbourne Parkway*
Louisville, KY 40222*
Check your credit card balances; this is the most frequent problem I see on credit reports other than delinquent accounts. If the balance is at or near the limit on the account it will crush your credit score. Pay them down as much as possible, especially the ones with very low limits. They hit your scores as much as the big ones so your payments will have more impact on the little ones. Your question does not contain enough information for anyone to offer specific guidance that will put you on the fast track. I am rather booked up until Thursday morning, would be glad to look at your details after that if you still need help.
Talk to a hard money lender.
Also focus on improving your credit score.
There are several Credit Improvement Companies.