There are a few options..... DHI Mortgage has a home buyers club which helps you get your score up. You don't have to buy a DR Horton home, it's just a service they provide. There is also a program where you save a little and they give you a little. It's facilitated through Southern, I believe. You have to take some financial literacy classes but in the end you could get $4000 in free money.
Call me or message me and we can talk some more.
Keller Williams Realty Premier Partners