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There are several companies which specialize in helping people with bad credit. Some of these are Credit Axis and Credit Sources. Both companies are excellent resources for the funding that you need because they try their best to charge their applicants the lowest possible costs. Depending on what is applicable to your case Credit Axis mainly helps those people interested in credit repair while Credit Sources mainly helps those who struggle with their finances. No matter what you choose, expect that you will be charged a high interest rate because of their risk. Bad credit loans are totally possible but you might end up paying more than when you first improve your credit score. For more tips, visit this website
IDK exactly how it works if GA, since I'm in MT, but I just went through the USDA Rural Housing program to buy a house. Its 100% financed, so you don't need a down payment, and they work very well with bad credit, or im my case lacking of a credit history. But I don't know if the area counts as Rural, has certain population limits on it. You can also look into HUD housing - they have some similar programs, at least in MT they do.
If you're talking about thoss "sub prime" loans that banks used to give out...those don't exist anymore.
If you want financing now, you need 20% down to start and good enough credit to qualify....if you do qualify, any bank will take you.
Actually....even if you have your 20%, and great credit....the banks will still run you thru a knothole.....It's not even as easy as it was before sub-prime loans.