First Time Homebuyer - Creative Financing Techniques sub 620 credit score

[Derrick Webb]

Does anyone have any suggestions on how to purchase a home (1st time homebuyer) using any creative financing techniques or special programs.  I am currently getting my credit score as well as my wife's credit score up as we ran into a rough patch, but would like to know if anyone has been able to be creative with the financing of a home whether with a bank or with a home for sale by the owner.