Best of Luck,
Century 21 Tenace
may I recommend contacting a lender who could then guide you in the right direction. As George has already explained in his answer, there are non-traditional trade lines that could be added to your credit, if necessary.
Please feel free to contact me at your earliest convenience, if I may be of any service to you.
Lic. Loan Originator
But you still need to hit the minimum credit score threshold which probably will require two or three accounts reporting to credit bureaus. And keep the balances very low on the credit cards, below 25% of the limit, if you have a $400 limit never owe more than $100 including accrued interest. Good luck,
NMLS # 6395
Financing Kentucky One Home at a Time
I work with a number of outstanding mortgage professionals I would highly suggest contacting one of them in determining what you would qualify for in terms of repair and home!
Murphy's Brightway insurance