I am in Arizona, but it applys the same all over. If your credit is too bad, even putting on a co-signer may not
work. You would be better to have your co-signer buy it and you work it out. Of course unless it is a family member, I am sure they would not want to be the only one responsible on the loan.
Again like the other realtor said , talk to a lender and have them check your credit.
Maybe you just need to clean it up for 4-6 months , and then buy on your own.The lender can also help you or connect you with some one to help you how and what to work on to clean up your credit.
Good luck, Judy UBG Phoenix AZ