In the area I live you can apply for a USDA loan which is 100% financing. With regards to your credit, I work with several lenders who will advise you on what in which to build your credit score. Many times, people are doing thing to build their credit score. However, they might not doing the most effective thing to build their credit.
Perhaps ask friends or family if they could recommend a realtor in your area. CMA's are done free of charge.