Can this scenario get a loan?

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604 Middle Score

late/slow mortgage pays within the last year (gets out of 12 months in Feb 2015)

Home price = 400 K

Down payment = 150K

Low balances on credit cards 

General slow pays 

I am interested in working with brokers that can help with the above mentioned scenario. 

Most lenders won't lend if you have two or more late/missed mortgage payments in the last 12 months. FHA won't lend if you've had one in the last 12. Don't ask how I know. ;-) Best bet may be a lease-option, land contract or owner finance.