Truly bad credit may not be "mortgage worthy" by any lender.
You might also contact a MSHDA lender. It is a Michigan program for low income home buyers.
How bad is "bad credit"? If you have good reasons for being behind on your bills, and it was a temporary situation, many times a good lender can guide you towards making the correct steps that can get your credit back on track in a few months. There are also some very good credit repair companies who can work closely with you towards your goal of homeownership. I'd be happy to talk with you and refer you to the lenders that I know do a great job with these kinds of issues. Unfortunately, there are no programs that will allow you to purchase a home today with bad credit, understandably, I think.