: This allows you to move in now while a portion of your rent goes toward a future down payment. This gives you time to rebuild your credit before you actually have to apply for a mortgage.
FHA loans are the "gold standard" for bad credit, but they typically require 3.5% down. To get to "no money down," you have to pair an FHA loan with assistance. bad credit buy a house with no money down
If you don't qualify for government programs, you may need to look at unconventional routes: : This allows you to move in now