You could try your parents-----that's what Mitt would say. First step I would suggest that would not cost you anything is to run a free credit report and find out exactly where you are with your scores. This also gives you the opportunity to make sure everything on there is correct...or corrected. Once you have your stellar scores, contact your local bank first...they know you the best. They should also give you advice on what you can do to improve your scores too.
Another option, would be to look at homes that offer a lease/purchase option. Typically, these deals require a hefty down payment, but they do not require a lender to finance you for a couple of years...which should give you time to correct any issues, yet still get you in a house.
Let me know how you are progressing......email@example.com