Well first of all, ask your friends and family where they go to get a mortgage. If they know someone who is in the business that they can trust, ask for the number and make an appointment. I think in most cases a mortgage broker is a better option than simply walking into your neighborhood bank.
As for your bad credit, this may or may not mean you can get a loan, I currently work as a loan processor and have processed loans for people who have had past foreclosures so you would be surprised what you can still get with bad credit. At best, you will end up with a slightly higher rate and may have to put up a higher down payment. As for fees, you will likely have to pay for an appraisal ($300), credit report ($20), title insurance ($500-$1000), escrow costs ($500-1000) and lender fees ($500-$1000). You may also have to pay for other fees like mortgage broker fees and what are called discount points where you can buy down a lower rate, and these could each run into the thousands. Often times, you will have the option of wrapping these fees into the loan amount so you can avoid having to pay any upfront costs. But beware of anyone who charges an application fee, I think most states have laws against that. All fees should be charged to you at closing, at the same time you will be getting your money.