With bad credit, home loans will be hard to find that won't rip you off. I'm afraid a spell will only guide you into extremely high interest rates. You can get a loan for anything if you try hard enough, but when you end up paying 3 to 5 times what you normally would, you're better off getting a co-signer that has an amazing credit score or working out one of the peer to peer loans. Have you looked into those? If your credit score can't get you a peer to peer loan, you're definitely going to need a co-signer or just consider rent to own until your credit score can be improved.
I would consider sympathetic work to draw someone to you that can help you, or working on the seller directly with magick so that they want to work with you in a more flexible manner. Property sales are very poor right now and people are renting the homes they wish to sell more often than putting them on the market. Their eyes practically light up with the thought of someone wanting to actually purchase it and they are generally willing to go the extra mile to insure that the one interested in buying actually buys.