We could help you find a reo home (this does not always mean you need lots of repairs) since it must be up to par for funding partners. FYI If you receive collection calls we could help there as well NO COST for collection call service assistance.
If you have credit issues, the liklihood of you qualifying for a home loan are very slim, despite the fact that you make a decent income. I can refer you to a lender who can speak with you regarding your credit issues, and possibly get you on the right track in repairing your credit. Please let me know if I can assist you.
What is "Very bad credit"? Nobody has perfect credit. Do you have bills that are currently outstanding?
If you can't document your income, you may need to put down 35 - 40%. If you are able to do that, there are lenders that can help.