Cath, Check with a mortgage broker / banker in MA for programs that will help you. I don't know what you mean with a pretty low score. Typically, FHA will loan in the 580-620 range, VA (if you are a veteran), allows a pretty high debt to income ratio (DTI). Many cities, counties and states have down payment assistance programs.
HUD has a teacher next door program where they allow certain of their repossessed homes to be sold to qualified teachers for as little as $100/down. Contact a Realtor who works with HUD Homes in your area to find out what HUD homes match this criteria. You can check out the HUD homes Tab on my website for the homes in the six state region out west. If you want, I can help you find the link to the MA area HUD contractor. I can also find a Realtor in Lowell if you need that assistance.