Your best bet would be to work on your credit score and get your debt-to-income ratio in line so that you can qualify through a lending institution. It's actually not as hard as you think. Go to creditkarma.com and pull your free credit report. They will give you pointers about how to raise your score.
My suggestion would be for you to work hard on getting your credit score up, talk to a lending professional and find out what to do to improve your score & what not to do. Then begin saving for a down payment and closing costs. There are some great loans for those with limited down payments. The ones who qualify need a decent credit score.
I wish you success, keep at it and your goal of home ownership will be a reality.