Need a Mortgage with a 615 credit score?

I need to purchase a home in the Atlanta, GA area for approximately $ 200K, currently working in NY earning $ 50K /year, credit score is 615 and should be rising.

I would prefer to get a regular loan instead of FHA.
Did some calculations with FHA and due to ratios I would only qualify for about $ 160K.

Can anyone suggest a broker or company for:
$ 200K Home Loan
1st time home buyer
615 Credit Score
Looking for a 80/20 loan – 100% financing.

Thanks in advance for all the help.
Ryan M… Why do you think you NEED to answer my question? It is obvious I was not asking a question to A-holes. GET A LIFE!..

Thanks to everyone else.

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