You may want to consider a "rent to own" property purchase. You buy the house from the owner by providing a down payment and monthly payments. It's recorded, so you really own the house. The payments show towards your credit, so it helps rebuild your credit. You can either just buy it from the owner or after your credit repairs, you can refinance with a mortgage lender to get a lower interest rate. We have homes that we sell this way. Call me if you think this will work for you or have questions.
Mona Lisa Harrison
DHP Real Estate