I do not believe it as bad out there as the national media would have us believe. I am closing purchase and refinance loans all the time. Is it easier if you have perfect credit, etc., of course.
Many times I find people fall into two camps--those whom believe their credit is soooo bad, but really is not, and those whom think they should get a loan as if it is owed to them, no matter how bad they have handled their past credit. I would much rather work with the former.
No one wants to get into a public discussion of their personal history, so I would suggest you call an Arizona licensed loan officer (LOOK FOR THEIR NMLS #, AS THIS SHOWS THEY HAVE PASSED THE BACKGROUND CHECK, THE NATIONAL AND STATE EXAMINATIONS, ETC.--any time we represent ourselves as a mortgage lender, we are required to display our NMLS #, so it should not be too hard) and discuss your total picture. Some people try to hide the not-so-good things--worst thing you can do. It will surface at some time in the process, so better to get it out there up front, to be dealt with now. Otherwise, it messes up the transaction eventually, after everyone involved has invested their time and possibly money.
Find someone you trust, then stick with them, as they are investing their time and expertise in helping you.