How To Get A Mortgage Loan Without 2 Years Employment?

Well my mom had a stable job some years back, but because of company ignorance, she had an accident. She sued, and recently won the case. She was never fired but she wasnt working for the company since she was hurt. But After 6 years of debate the company finally gave in and reached a settlement, we now want to buy a house but big banks keep denying us. My mom has a FICO score of 509 so that might also be the problem. My dad will be paying month by month for the house, but we cant use his credit.

Is there any way around the 2 year employment thing? we found a really good house but we have no one to finance us. Will a mortgage broker help in any way?

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