If my credit score is below 500 and I’m trying to get a mortgage loan what can I do to qualify?

I have gone to the bank to apply for a mortgage loan, but was turned down because my credit score is in the high 400s so then I got someone with a 550 credit score to co-sign and was still turned down what can I do to qualify for a mortgage loan? I am 19 and have two credit cards that I was behind on for 2 months, but have paid one off now that was 500 credit limit and the other which is a 4,000 credit limit down to $ 1,000 and it has been almost 2 months since the banker turned me down will my credit score have gone up a little bit in the past months or at least been updated? How else can I try to qualify if it hasn’t?

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