Although most mortgage lenders require a minimum FICO (credit score) of 640 in order to extend credit, there are private money lenders that are willing and able to lend money. However, some of the negative aspects of these kinds of loans are high interest rates and early payoff penaties. The rates usually are around 6% or more higher than conventional type mortgage lows. Those type of high rates make it difficult for the average purchase of a home to be affordable.
I would suggest that you get your most up to date credit score at FreeCreditReport.com and correct any errors you find by filing a correction with the credit agencies. This can be done directly from that wesite with no cost to you.
Also, if you do not use credit by paying cash for everything, that can affect your credit score as well. Credit scores are based heavily on responsible use of credit. Getting a credit card, auto loan, etc can help raise your score over a period of use.