Good for you!!!!
Credit Unions are much better for getting a home loan than the banks. Most of the banks here are no owned by the big conglomerates, we have only 2 'local' banks and 2 credit unions, the rest are B of A, Wells Fargo, etc yuck
I had similiar to you when I went to buy my home, as I am on a 'fixed' income and disabled and those banks just laughed at me. I went to my Credit Union (had my savings and checking there for the last 15 years at that time) and they said sure, here's how much we can qualify you for and it was more than enough for me to buy my house.
I am so glad you have a credit union by you. Way to go.
Your forward progress in your recovery makes my heart smile!
Love and hugs,