Let me know when you are ready and I will give the names of some solid banking contacts.
There are a lot of factors that lenders play when approving loans in addition to your credit score and down payment. When shopping for a loan working with your home bank or mortgage broker is a good place to start. I work with a lot of lenders from prime lending and Wells Fargo. Let me know if you would like me to refer you to my top contacts.
There are two issues you will most probably have to deal with. Your low credit score and finding a mortage lender that will do the mortgage amount you are looking for. Would recommend that you speak with your financial institution and see what they recommend.
Wishing you much success.
Charlie Chorman - REALTOR
Accredited Buyer Representative
Coldwell Banker Vanguard Realty