The criteria to qualify for a mortgage varies between lenders and regions. Shop around for various rates and terms. Usually, you'll get better rates from regional banks local to your community. You also should contact several mortgage brokers to shop for various rates and terms.
Right now, many lenders have tightened their loan underwriting criteria: they're screening applicants more rigorously for higher credit-ratings, asking for larger down payments, giving fewer concessions, and are becoming increasingly more rigid about their terms. If you have good to great credit and enough cash (for the down-payment and closing costs), then you should be able to get a loan.
If your credit is decent, but you're strapped for cash (or you're unwilling to spend the amount of cash required to transact most mortgages today), then you have another option: creative financing. If you know what you're doing, then you could negotiate some form of seller financing with a seller to purchase your new home. However, if you don't know what you're doing, then FIND someone who does. For example, interview a few realtors, and ask them if they have any experience with creative financing. Some do; many do not.
You could also work with an investor, who could negotiate the deal (including work the numbers), and assign the deal to you. Nevertheless, beware there are people out there, who call themselves investors, who don't know what they're doing. So, you need to interview them too, in order to see if they're familiar with creative financing. Usually, you'll find that many serious investors collaborate with realtors.
Yet, if your credit isn't so great, then there still might be option for you. Although you'll probably not be able to purchase a property immediately, you might--depending upon your credit and circumstances--be able to enter into a lease-option (another kind of creative financing). Think of this as getting a home on rent-to-own terms. This way you could spend the time you're renting to work on your credit and to save up a down-payment simultaneously.
There's a lot more I could write on this, but I don't want to overwhelm you with too many details. Just know that you have several options--besides using convention (aka institutional [bank]) financing--to purchase your new home.