Home loan for first time home buyer 560 credit score and very low money down?

Please answer the question and don't tell me to wait a year and all this other things. My problems was in the past and it has just stuck with me. Stupid credit cards and things like that nothing major. I paid my car off I haven't been late on 900 a month rent in 3 years I've been renting. I need a... show more Please answer the question and don't tell me to wait a year and all this other things. My problems was in the past and it has just stuck with me. Stupid credit cards and things like that nothing major. I paid my car off I haven't been late on 900 a month rent in 3 years I've been renting. I need a house. Who should I go to for help. What companys or agencies offer help for people like me. Thanks alot.
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