Try an FHA loan
With the lowest mortgage rates in decades potential homebuyers are still finding it difficult to get mortgage financing. Even an FHA loan can be difficult because though FHA does not base lending on credit scores, the financial institutions that overlay the mortgage do.
Lenders underwrite FHA loans to ensure that the customer has the willingness and capability to repay the loan, but we do have flexibility beyond pure credit score to look at the borrower's financial situation
The FHA only requires 3.5% down deposit and this can include money from government assisted home buying programs. Because the FHA doesn't provide mortgages, it is an insurance funder not a lender, home buyers should seek out FHA approved lenders. But the FHA also recommends that buyers shop around because all lenders do not have the same terms, even on the same loan amount.