Here’s a good guide on how to increase your chances of owning a home even if you don’t have perfect credit:
A mortgage broker will find and deal with loan institutions, with no up front expenses to you. Once they get you a loan at a good rate and the deal is going to be finalized, you will pay them a fee. These folks are experienced and deal with financial institutions all the time. Before accepting their services, make sure there are no upfront fees, then you will need a real estate agent to find a good house, at an affordable rate.