Go seek guidance with a financial person...an accountant, a mortgage broker...a professional who can help you rebuild your credit.
You have to show a track record of being able to pay your bills on time over a period of time, be employed for at least 6 months at the same type job, and basically live within your means. These are things you have to do on your own, no matter who you talk to or try to buy a house from.
Sometimes, borrowers are turned down for "bad" credit because the lender did not have the underwriting flexibility to approve the loan. With all the changes in the mortgage market, some lenders have become even more conservative than others. Sometimes, it is because the Mortgage Consultant may lack the expertise necessary to make a file work. Other times it could be because a person needs to be referred to a reputable credit repair specialist.
At this point, more information is needed to determine whether you would actually qualify for a loan depending on your specific situation.