Hello, I'm a mortgage professional.
There are a lot of different mortgage programs available.
If you have at least a 580 score you can qualify for an FHA loan. You would only need 3.5% down payment and you can even roll in closing costs using a sellers concession.
if you have a higher credit score there are other programs available as well.
I can explain more if you would like.
If you have any questions or would like help with this you are welcome to get in touch with me.