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With your 20% down you are likely to be able to get an automated approval on an FHA loan, and there are still some lenders accepting sub-580 scores on FHA loans if you are able to get an automated approval. The difficulty will be finding a lender who will do a loan amount that low in NC. NC has laws regarding "high cost" loans, meaning that the total amount of closing costs can't be over a certain percentage of the loan amount you are getting. This makes doing small loans for not so great credit very difficult to do there. I might suggest you contact local banks in town, sit down with a loan officer and explain your situation (with your credit scores and all) and ask if they would have a loan program for you.
Also, what type of property did you find?