You may want to check out my program for obtaining a mortgage. Its isn't an 8a program, but I don't require a down payment, closing costs or FICO scores. I just look at the payment history including alternative credit (household utilities, cell phone, auto insurance, etc.) over a 24-month period.
Check out http://www.naca.com for program details, and workshop locations.
Mortgage Counselor-NMLS 280951