Advice for acquiring a true owner financed home?

[Amanda Damron]

My husband and I are looking to purchase a home at a price of $65000 or less (low market values in our area, and we are open to some fixer uppers). Our credit is not good due to a layoff about 3 years ago that devastated our finances, so we are unable to get a mortgage. We are hoping to find a reasonably priced home in which the owner is willing to truly finance for us. We have a small down payment ($3-$5 K) and can only afford to pay $450 per month. We can make a yearly lump sum payment of at least $5K when we get our tax returns, so even on a $65K home, we could pay off in as little as 7 years. Do any of you have any advice on finding someone willing to accept these terms? This would be for our primary residence, not an investment property. Thanks in advance for any help.