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Cannot get approved for a home loan

My husband and I are in the market to purchase our first home.  We have a few things against our credit profiles and have been turned down for a home loan about 2 to 3 times. I do not want to continue to have our credit pulled and have more going against us. Instead of someone wanting to work with us and help us get to where we need to be, we are constantly getting told that we have to go through these credit repair programs that is hundreds of dollars per month. We are considering owner financing since we cannot get a home loan.  We are desperately seeking help and wanting to know what are our chances of owning a home. Suggestions and advice are welcomed. Thank you!