I need HELP what should I do about a mortgage loan? Can I receive one with bad credit and low income?

Hello! I am a single mother of 2 children. I currently am paying $ 1200 in rent and I can not afford it. It kills me to be paying so much when I’m not even going to own the house. My credit score is really low about 515. Are there any first time buyer loans that don’t look at your credit score? Also fix your mortgage payment according to your income. I need some credit counseling also at no cost and can not find any around my area. (Atlantic County, New Jersey) My student loans are in default. I honestly do not know what to do. If you have any advice please let me know. No bashers please I already know that the decisions that I made in the past now affected me I wish I would have known it then. Thank you so much for taking your time to read my problems. – Karen

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