If qualifying is a challenge there are programs that can help Another option that is not frequently used is owner financing. There may not be as many home options but with work you can find them.
Explain your situation to an experienced realtor and they should be able to help you.
Hope this helps!
Give me a call or send me an email if you would like me to refer you to a good local REALTOR.
I hope this helps.
Jose Dias, REALTOR
Realty One Scottsdale