Please find, and speak to, a local mortgage rep, and let him or her guide you as to what you need to do to qualify for a loan.
Right now, with your low current scores, you're not in good shape for that to happen - and IF someone out there makes you promises of a loan - I am sure the rate will reflect your low scores, and be very high.
You really need to work on improving your scores.
It's great that you have saved for your down payment, and have a home that is fully paid for........maybe you'll need to use some of that "savings" to pay down debit, or fix whatever it is that has caused your scores to be so low.
Come up with a plan after you sit down and speak with a lender.