Hi, Donna Marie,
Be careful of ads promising loans to people who have poor credit. The market is FULL of predators looking for another sucker. With very few exceptions, it takes a score of 640 to buy a home with a conforming loan. There are a few exceptions, and you should work with a lender with a reputation for high quality to find out what those exceptions are. that same lender can also help you do the things that will improve your score and avoid those things which 'internet experts' tell you to do which actually can harm your score.
There is a place for Seller Financing, but again, if the home is priced too high, when it comes time to re-finance to pay off the Seller note, the home may not appraise. That's a big trap that many don't see coming. Unless you have an agent on your side who can help you to navigate the Shark-infested waters of low credit financing, you may wind up worse off than you started.
Doc Stephens, REALTOR