T. Florida, If your credit scores are in the 600s you have options with higher interest rates and possibly more down payment. Perhaps a mortgage broker can get you approved for FHA.
If your scores are lower than 600, then you will have to address the issues why? Deliquent tax liens, child support or alimony have to be brought current.
Charge off and collections, may have to be paid / settled. A repo car voluntary or non voluntary will have to be addressed.
You best option might be to contact a credt repair agency and work with them in addressing your credit report issues. If you enroll in Consumer Credit counseling lenders look at this as Chapter 13 bankruptcy. This program will have to be completed before a mortgage can be considered.
An experienced mortgage broker can provide you with the best direction and credit repair agencies to improve your scores.
FYI, It might take one year to successfully raise your credit scores, this requires intense work and persistence on your part. It will not happen by itsself.
Brock Realty Inc.