Answer: -While no one can promise you a mortgage without first looking at your overall picture, there are many programs that are available for those with less than perfect credit. We specialize in helping those with less than perfect credit achieve their goals and dreams. Having bad credit, previous bankruptcy or a foreclosure on your credit can leave you thinking you do not have the ability to qualify for a mortgage. Our network of mortgage wholesalers enables us to find you a lender who is most understanding of your situation. We can also help you understand the effects of your past credit while showing you how to strengthen your present and future. Call your local Mortgage Broker or click on the link below to contact us, and we'll take a look at your overall picture to see if there is something that can be done. Whomever you go through, it's definitely worth a shot here. -The latest strategy is to convince someone with good credit to join with you on the mortgage application. Their credit rating is factored into yours, creating an average of the two scores. This might enable you to qualify for a loan, provided you can find someone willing to do that. -Don't lose hope if you're looking to buy a home. There are so many different ways to fund a home now, just about anyone with any kind of credit can get into a home, regardless of credit situation. Of course, some will cost you more money in the long run, but a home it's still one of the best investments that you can make, so, in many cases, it's worth it, especially for the first year of ownership.You should shop around, and ask different lenders what kind of programs they have, and if they can help. Try to find a lender that specializes in bad credit mortgages.