You need to speak with a mortgage lender to determine your options.
You may qualify for a mortgage through the usual channels and you need to know what is needed to get approved. If you are a nurse you have a good income so that should not be an issue If you have no money down there are assitance programs that can help you like PHFA If there are credit issues they may be fixed. If you have a recent foreclosure or bankrupcy, trying to get any financing is going to be very difficult. I think looking for private money at those rates is unrealistic as private investors are looking for a good return on their money.
If you are looking at foreclosed homes homepath has some interesting options.
If you are looking for renovation financing that is completely different type of loan altogether.
You need to provide more information and if you do not want to do it here you need to speak with a mortgage lender to see what your options are.
Cornerstone Lending Inc
215 953 0800
cell 267 992 7276