Have your Realtor introduce you to the loan officer they trust the most. Gather all of the support documents that will be needed to apply for a loan and meet with the LO face-to-face, have them walk you through the process and options available, good luck, home this helps,
Work on improving your credit--as you have been. Work with a good loan officer or mortgage broker to monitor your credit and to address weak points.
One alternative is to look for owner financing. And that's fine, but your choices will be far more limited. It's probably better in your case to be patient and to work on your credit scores.
Hope that helps.
It not the vehicle that you own the property in, its the ability to obtain a mortgage. Also you would need enough of a down payment to meet the banks requirements.
You would run into the same issues in obtaining a mortgage whether it be an llc, trust or mortgage given directly to you, unless on the llc or trust, the mortgage and the obligations are in someone else's name with you as the beneficiary. But I would ask an attorney, your accountant and a mortgage specialist what are the options, ramifications and benefits, if any to you.