You do not need to pay for someone to repair your credit anymore. Lenders are able to tell you what to do in order to get your credit scores where they need to be. Just give me a call and I can give you the info. to a few good lenders that would be able to help you. You may email me at: firstname.lastname@example.org or email@example.com. The sooner you get started, the sooner you will be in your new home.
It's your best bet to check with a qualfied lender. There are many First Time Home Buyer programs available through the county and some citites. FICO's can be less than 620 for some. It's just finding the right lender versed in these type of programs.
Here's a link you can go to for additional information: http://www.firsttimehomes.us
Best of luck!
Also, if you have to work on your credit, you can find some useful information at creditinfocenter.com.
Hope this helps!