Are there any banks that give mortgage loans to people with bad credit?

I am looking to buy my first home. My goal is to get to a 620 credit score but I know this will take quite some time. I was wondering if there are banks out there that give you loans to buy a home if you have bad credit or if there are programs out there that help you fix your credit to get into your first home? My best credit score of the three credit agencies is 550. The worst is 490. Please help!

Falling behind on mortgage and credit score?

Hod bad does it affect the credit score if you fall behind on mortgage payments like 4 months? This seems to be the only way banks will help, so just curious

Will lenders look at my wife's credit score for mortgage application in NJ?

My wife is a stay home mom and she does not have any income. She does not have bad credit history but she does have some debt. Will banks run her credit report when I apply for a mortgage? I want to apply for the mortgage based on only my FICO, my income and the outstanding credit in my name.

Is that possible in NJ?

Thanks!