Answer: -If you have lousy credit, try contacting NACA. When your credit is poor, you will be vulnerable to predatory lending and loans that are bad for you but good for the lender. The terms might be so unfavorable that it leads to you losing your house.NACA is a non-profit housing advocacy organization and they do their own fixed rate loans. Check out their website for their story www.naca.com -I just did it. Msg me if you want details. I got a $380,000 Townhouse with a 590 score, just few days ago. 0 down just with 50% closing costs. -You cannot get a 100% loan without a credit score of at least 625. If someone tells you this they are lying. -Yup, and you'll end up with a really high interest rate. Call around to Brokers and ask if they have anyone who does hard money loans or sub sub-prime.