You may very well have a chance. If you are interested in Southwest Florida, I have a great mortgage guy that would be happy to see what options you have. He could probably help you in any part of Florida but some loan specs are location specific. Shoot me an e-mail if you would like his name and number.
Have a great day,
search the mls at http://www.nancyd.listingbook.com
I am a mortgage broker. If I can be of service, please let me know!
877-238-6324 Ext 704