Try a credit union if you want to borrow to buy something. With 20% down and if you have a solid job history and 1 year of good credit history with on time payments they may take a risk on you when other banks will not. You see credit unions will lend their member's money and make an informed business decision whereas a bank will immediately sell off your mortgage and with a small mortgage amount it isn't worth their time.
Also try bidding at a courthouse foreclosure auction, you must do a lot of homework "before" bidding, though.
All the best,