Wells Fargo has introduced new FHA loan criteria for persons with moderate scores.
You might check a Wells Fargo in your area or go online to see how you would qualify for one of these plans.
You would want to reserve the mention of your 15K until they tell you what percent down you would need to pay. That number will come from the highest amount they could lend you.
At 100K, you would be looking at about 6,000.00 down if they are asking you pay down 6%.
You will want to consider that you will have other costs, not just the down payment.
So, you will want to get them to give you an estimated closing cost statement that outlines the other fees-
like appraisal cost, etc.
Your real estate agent will also give you an estimated closing cost sheet with any offer that you submit,
this is where you have some negotiation power to ask the seller to pay all of some or split some of the closing costs. You may ask the Seller to split the attorney fees; but ask the Seller to pay for a Home Warrenty Plan for you.
Hope this helps.
It is a good idea to find a Real Estate agent that you like and trust. The agent works for you. The agent is paid by commission from the Seller, not the Buyer, so find an agent to assist you in locating a good lender and locating a great home for your money.