Where can I get a residential mortgage loan?

My credit score is right around 500. I make 32,000 year. I am trying to purchase the house I currently live in that my parents own.
The lender ordered an appraisal that came in at 52,000. I only need to borrow 35,000-40,000. I have steady employment and make 34,000 year. I currently have no other debts except credit card chargeoffs, that I am paying back….which is why my credit score is so low.
The mortgage co. I have been working with says they cannot find a "home for the loan" based on these three things:
1. low credit score
2. no verification of rental history( I’ve always paid my parents the rent in cash)
3. Loan amt. is under fifty thousand.
If you know of any lenders that would loan on this please let me know.

Can I still get a mortgage with poor credit score even if all debts are paid?

I finally paid off my debts , yet my credit score is still poor. I paid them off because I thought it would increase my score so I can get this house I want. My score barely budged. Will any lender consider that I now have no debt, paid off everything, even with a low low low score or will they still base everything on the score?

How do I get a mortgage when i have a low credit score?

I had a loan about 5 years ago which I was late with payments, also late with a few catalogue bills which seemed to go on for about 2 years. I now dont have any debts, everything is paid off and I dont have credit cards or a loan

How should I get a mortgage loan with low credit score?

Ok here is my situation.
I am trying to get the no income verification loan to buy my first house.
I have 10% of the price of the house to pay for down payment.
About my credit: I have everything paid off in full. All debts are paid off in full. but this was recently so my credit score didn’t go up yet it still at 515.

Now my question: Can I get a no income verification loan with my credit score this low?

Also How long does it take to update my credit score?