Roland, I enjoyed retirement for the first 12 months. Wish you the best in your relocation.
I would agree, there are none or very few programs for "bad" credit. FHA lower limit was changed to 580 and above to the best of my knowledge.
I suggest using http://activerain.com to search for a mortgage professional on the west side of Michigan. They would have more knowledge. Or, you can try this website. http://www.hud.gov/ll/code/llslcrit.cfm
If you have any questions, feel free to contact me. Best is by email.... more