I urge you to work on improving your credit score . You may find some leneders that will grant you a mortage, but you will not get the best terms.
Keep in mind even FHA which has more liberal requirements than conventional still wants to see a FICO score of at least 640.
I am happy to hear you are desirous of buying your own home, I would really like for you to get a loan with terms and conditions that will allow you to KEEP your home.
Many buyers who lost their homes in the last bust bought homes they really could not afford, or they had loan with terms they could not really meet.
So, my advise is: get your scores up, so you can get a mortgage you can actually afford to pay month to mont year after year.
Much Success to you!
Kawain Payne, RealtorÂ®