Diamondshark has your agent made you aware of the conditions on a property to use the USDA program? The requirements on the property are a little more stringent than on a FHA loan. USDA would be the answer for a loan product for someone with no credit score but the home must be in good condition or the seller must be willing to make it that way. Here is a link to a partial list of the USDA requirements it is an 8 page checklist that the appraiser has to use.

http://www.rurdev.usda.gov/id/5-0_Existing.pdf

Good Luck and there are other lenders out the can do an USDA loan.

Do you have a buyer's agent representing you in the transaction? Is seems to me that you are having difficulty obtaining a loan, due to your lack of credit. Would you be able to get someone to co-sign with you? Secondly, should you be able to successfully obtain a loan, you may have problems in having your loan approved due to your lender's requirements about the condition of the home. I am not familiar with your area, however in my experience, foreclosed homes are usually sold AS IS, no matter what the condition is. It is the buyer's responsibility to conduct inspection tests at his/her expense. Based on the inspections you must decide if the problems involved are ones that you are willing to undertake. Usually these transactions are cash transactions if the home requires repairs that make the home inhabitable. In addition, these properties are sold to the buyer with no survey, and tax pro-rations at 100%, Good Luck.