You may want to look into a program called NACA, which is 100% financing to purchase a property at incredibly low interest rates (currently 3.375% APR) and has no closing costs. The program takes awhile to complete (as in around 6 months on average), but everyone I've spoken to that has gone through it says it was well worth it. There is no credit score requirement, but you do have to have made all of your payments on time for the past 12 months. The basic eligibility requirements for the program can be found at https://www.naca.com/nacaweb/purchase/eligibilityIntro.aspx and for more detailed information you can go to their homepage at https://www.naca.com/nacaWeb/index_main.aspx (lower left corner, under "homebuyer" - a very useful document is the "NACA Qualification" link). While you are improving your credit scores I'd encourage you to look into qualifying for that program.
Shane Milne | Lending in all 50 states | NMLS #81195
shane@thebesthomeloans | 949-273-4161 direct