Dana, You might consider private lending if that is available to you. NOT from a loan shark, but from a person who knows you who might have funds to lend you, or from the Seller of the property if they are in a position to do it. You would pay a higher interest rate, and you would negotiate the terms in such a way that you could rebuild your credit and refinace with a traditional mortage company once that is realistic.....say, 3 to 5 years. And of course, your other option is to sit down and build a plan for improving both of your credit scores. Good luck!