I work with a very good and reputable credit repair company based out of Plainfield that I can refer you to. You should get on the road to start fixing your credit so you can own in the future. Let me know if you would like their contact info.
You are desperate!
Your Credit or Finances, or both, will not allow you to go the conventional route:
You need the Seller to help you out!
The Seller will know it, and you are going to pay dearly for this service:
There aren't too many altruistic Sellers out there.
There is no FORM printed by anyone; there are just too many variables.
The terms that can be written into a Lease/Option can be dangerous to you:
How long is the Option period?
How much money are you putting in to the Option?
What happens if you are not able to execute the Option?
How do you know what your financial situation will be 2-5 years from now?
How much is the rent in the meantime?
Who will be responsible for maintenance and repair in the meantime?
What will be the Market Value of the home in 2-5 years?
What will be the Selling price 2-5 years from now?
This is the Ultimate Caveat Emptor!
Good luck and May God bless
After you do your own research I would suggest contacting a lender about pre-qualifying for a mortgage loan. They can help you see how much home you can afford and will give you documentation you can present to a seller or a realtor showing that you are a viable home buyer. The lender can also assist you in counseling you on how to improve your credit. If you get the right lender, they can be very, very helpful in helping you get back on your feet with your credit rating and how to turn your past around.
Then, you should contact a realtor who can help you with your home search. Ask your friends and family if they have had good experiences with a certain realtor. Or you can find a home on Trulia or other homesearch websites, you like and send an email that will be forwarded to a realtor. The realtor should contact you in no less than a day or two and start the ball rolling in your home search.