Someone else suggested looking into FHA and I agree that would be a good choice as they're not as picky about credit scores. But the lease/option arrangement may suit you best -- that way you may be able to get a nice home now and still have time to work on your credit.
To see all the homes in the Lexington/Central KY MLS, visit http://www.LexingtonRealEstateSource.com
Ross Real Estate Services - Flatwoods Branch
Ashland, KY 41101
Thomas Smith Real Estate Services
Paducah, KY 42001