What you need right now is not financing, but to work on those scores & repair that credit..... come up with a budget to get out of debt, and save money........ and a way to get those scores up. Saving for a down payment, as well as having some savings as a cushion, is really important, as there is more to home ownership than just paying the mortgage and taxes.
Don't even try to put yourself on financial thin ice until you have a solid foundation.
Best of Luck!!