My first suggestion is to talk with a reputable mortgage lender to see, officially, if you can obtain a mortgage. There are many options available, and with low interest rates, IF you can get a mortgage, then buying now is better than renting. I would be glad to get you in touch with potential lenders.
If you can not obtain a mortgage, then a lease to own option is next in line, or owner financing. These are still hard to find since most sellers need to actually sell their home so they can move on to the next home. The best opportunity to find a lease to own or owner financing option is to have a local REALTOR search for homes based upon your search criteria. There may be some homeowners with a house on the market for an extended amount of time who may, now, be open to lease to own. Unfortunately, if the house has been on the market for a while, the condition...or price....is probably not good.
I would be glad to help if you need assistance with any of the above. Just call me and we can discuss.... more