One thing you could consider is a credit restroration program. Our attorneys increase credit scores on average 127 pts in 6 mos. often times sooner depending on the complexity of the issues. email me for more info at email@example.com
Talk to a local mortgage broker - they should be able to lead you in the right direction.
Do you have any money to put down on the purchase of this house? Most lenders are requiring a minimum credit score of 650 to qualify for a 95/5. Have you spoken with your bank or a lender to see what type of loan you may qualify for?