Don't let a poor credit history stop your dream of owning your own home. There are plenty of options available for a mortgage loan if you're willing to do a little research.
Many states, localities and other organizations have programs designed for "special needs" borrowers. These programs can help you qualify for a mortgage even if your credit isn't great or your down payment isn't big. Some of the programs are like grants, which tack extra money onto your down payment, whereas others are actual mortgage lenders.
Mortgage lenders are there to help you get the house of your dreams. They will work with you to help get a mortgage loan that fits your budget and lifestyle. Owning a home is not as difficult as you may think with just a little help.