Get a mortgage with bad credit

I need help. I am having to relocate due to a new job and a divorce. After two divorces, my credit score is low…. About 522 or so. I have several credit cards that have been closed and are maxed out with untimely payments. I also have 2 car loans and a credit card with good payment history. The credit card is about 6 to 7 months old and is used for business so it may be maxed out for 30 days and then paid down to zero – about to pay it off again to zero. One car loan I have had since September of 2007 and it has always been paid on time. The other car loan I have had since 2004 and also has all on time payments with only about $4,000 left of a $26,000 loan. All of the other credit cards will be paid off in full over the next 7 days. I have now seen where I should negotiate to have these removed from my credit – what exactly do I need to do in order to accomplish this? How much can I expect my credit score to raise? I make a little over $100,000 a year. I have opted to NOT payoff the car loan that has $4,000 remaining but instead to continue making the remaining monthly payments. After next week, the two car loans are the only debts that I will have. I will also have approximately $15,000 to put down on a home and another $5,000 in the bank. I have found a house that I want and it is going to cost me approximately $145,000 (not including the $15,000 down payment). Got to love Midwest housing prices! Is this achievable and how much would you expect to see my credit score raise and in what time frame? Any suggestions appreciated as I am up against the wire in a town with no rental options…
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many mortgage lenders will insist the old outstanding debts be paid in full befor they can finance youi would ask if you can pay them offhow much they areand how old is the date of last activity you might consider a higher interest rate loan to start with for people with bad credit, but a god job and low debt to income ratio.I want to say it was a baqllon type loan where all i paid was inerest and is easier to quailify forand after6 mos, a year, 2 year try to roll it back into a conventional mortgageusually a local banker will work with local people who have god jobs to get them started I did this with traders national bank in tullahoma tni cannot remember what my score was but not good enough to go straight to conventional mortgageafter only 6 months i was rolled into another conventional loan and i did have to jump through as many hoops as I had been approved and paying on the house for 6 months. the only problem here is most cannot report your payment activity to a major bureau and thus your score is not helped in the least. go talk to a local banker recommended by some home builders.they know how to get people financed and where to go.