Need help with obtaining a mortgage/who should I seek out?

I am desiring to purch a home. Attempted in Aug 2009 & credit was not so good. Attempted again in July and was advised credit scores were 2 points less (this year) than what is expected. Took out a loan in May 2010 due to a financial burden I needed to pay to reinstate my drivers license. Was told by credit union who gave me loan I could not refinance with them (another question). Would like to get this home first part of 2011 but have not prequalified because I don't know who to trust. I am also a qualified vet and can use my va eligibility.