My credit wasn't the best and I had a hard time putting anything back for closing costs.
Then my brother and sister-in-law told me about a place I could go to get a home loan. Low cost lending.
I crossed my fingers took the few minutes it took to fill out their online form and 3 months later I closed on my house!! I couldn't believe it was that easy. They sent me one email that had the 800 numbers of 2 mortgage companies that fit my history and needs. I immediately called them and got the ball rolling.
That was the only email this company sent me, I was surprised (and thrilled) that I didn't get a bunch of spam. To me that says a lot about them. I don't know if the 2 companies would have eventually contacted me by phone if I hadn't called them. I was too curious to wait and called them right away. I liked the idea that I had 800 numbers so I knew that if it didn't work out I wouldn't be out any money just some time, and if it did work out I would be making an offer on a house soon.
And I was right about another thing. It costs me less to own my home in payments than renting did. I bought a computer last week and decided my first project would be putting up a webpage about where people with less that perfect credit can get a loan.
Good luck, I hope everyone has the same results I had.