Don't loose hope. Use some of the 100k down or any tax money you get back this year to pay off items on your credit report. Start paying your monthly bills automatically using an auto draft of banking online. This should repair your credit. I would be happy to assist you in obtaining financing. Call me and we can discuss this more.
Century 21 Sherlock Homes
Tunkhannock PA 18657
I suggest that you contact a lender to look at your credit history. Your credit score is below most lender's credit score requirement for lending which is 620 or above. However, if you cannot qualify now, a good lender will tell you what you need to do to improve your credit score and credit history.