If you are looking for hard money loans your credit is not as vital as with conventional loans. Normally hard money loans are for investment properties and they can work with you for purchase and fix-up costs to get you started. These loans average around 15% interest and you usually have about 6 months to either flip the home in a sale or refinance it to use as a rental property. Try Pine Financial Group at 303-835-4445 to get information on the ins and outs of hard money loans to see if it works for you. You can contact me for finding fix-up homes to purchase for fix and flip or for buy and hold rentals.
Robert McGuire ASR
Your Castle Real Estate
Direct - 303-669-1246
If you are looking to purchase as a primary residence, there are good motgage brokers out there who will work with your credit standing and get you a loan. Try John Travis @ Supreme Lending (303) 242-8187, he helped me and my wife get a loan.
Also, get online and search thru the online lenders.
You might also advertise for a private mortgage lender (investor).
They are out there, you just have to keep looking.
Have you spoken with a lender yet? If not I would start there to find out of there are some loan programs that may work with your situation. If you want to provide more info as to what your plans are with the home along with credit scores and income situation that will help.