When shopping for a loan, the first thing you should do is let them know your credit score and ask if they can help you. FHA is the most flexible program I know of . Mitchell Swindell from On Q Financial works with several companies give him a call. 602-689-8482 his office is in Chandler.
Look at this blog it will help you to learn more about bad credit mortgages.
I've got most of my answers there as well.
We also allow all the way down to a 600 FICO socre for an FHA loan, where most everyone requires a 660+
NOVA has been named among the Top 10 Mortgage Bankers in Arizona by Arizona Business Magazine - The Best of Arizona Business 2001 and 2002. They have consistently ranked as the local industry leader for the past 8 years, closing more loans each month than any other mortgage lender in Southern Arizona.