Many mortgage lenders will be willing to work with you and give you an advice here in Oxford.
Have you tried any local banks? I had great experience with M and F bank, Home first mortgage, Mechanic bank, just to name a few. I have few phone numbers on my personal website that might help you to find the right fit for your needs. http://www.dashamcginness.com look under important contacts.
I am a Realtor, but it sounds like your credit is not too bad to qualify for a house, so once you ready to look for a property, I would be more than happy to help. Feel free to contact me. Good luck!