A person may obtain a mortgage with a credit score of 650? If yes, where?

I had a hard credit in the past. I’m trying to rebuild itself. I find it difficult to get a mortgage or a credit card. I have stories of people getting loans with credit scores lower than mine to read. I found a website on the National City Bank in life after bankruptcy Stephen newsletter. Where are these people to get loans with low credit rating. I live in Alabama. I can not get a bank loan. I am not bankrupt. Please tell me the names of mortgage lenders who can work with me. I read stories where people in the credit score is 500. They buy cars and houses just after they file bankruptcy. Thank you

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