All lenders no matter who you are require 3.5% downpayment or more, based on credit scores, debt ratio, employment history of 2 years. If your credit scores are below a 620 might want to improve your scores then apply for loan. HOWEVER DON'T have anyone pull your credit scores for a loan till you have had negative issues addressed and deleted from reports.
National Featured Realtor and Consultant, Mortgage Loan Officer, Credit Repair Lecturer
There is hope for you! You might be able to get into a rent to own or a lease option type of deal. You can check with a local property management company in your area. I am in California and I have a contact in Aurora I do not know how far that is for you. At least a rent to own situation is that a portion of your rent will be applied towards purchase credit for the buy in the future. While you are living in the home you can then work to improve your credit rating through credit repair strategies.
If you need assistance with credit repair this is what I do for a living. The fee is reasonable and a money back policy. Typically I get 80-300 point recovery. Good luck and call me if you need assistance with your credit repair or the Aurora contact. Thanks!