I do contact a company that has been very helpful with my buyers. Some of my buyers were in the same situation like yours. Today they are proud homeowners.
The company is Gateway Funding in Cranford. The manager is Marty Witzburg, 908-294-0433.
Good luck and please feel free to contact me if you need further information.
Please call me to schedule an appointment to come to my office to talk about your situation and I will suggest you a person who will help you to improve your credit score. I will look forward to work with you.
CAPY Realty LLC