How bad is your credit? You can try to clean it up and apply for a regular mortgage. Some have programs for not so good credit, it depends on how bad yours is. You can look for owner financing and maybe get someone to finance until you can get a mortgage. Look in classified ads and call a Realtor and ask if any sellers are offering owner financing. You also might look for lease to purchase or rent to own. Another term to look for is land contract. It's similar to owner financing but I think there's a difference in who holds title. One more thing you can do is place a classified ad saying you are wanting to buy a house with owner financing or on land contract.
