To help you get a handle on your credit card debt, a good place to turn is an accredited. The site will help you locate.

Some programs, like the FHA loans for bad credit and others for a first-time buyer with bad credit, may require mortgage insurance for the duration of the loan. While this is a significant monthly cost, it does allow you to own your very own home instead of continuing to rent.

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Getting a mortgage with bad credit – that is, a credit score of about 579 or below – can be difficult, but you still have options for loans with favorable terms and APRs. Traditionally, home loans for bad credit borrowers fell to the risky subprime mortgage sector.

If your application for a mortgage is denied, it’s more than likely to be due to bad credit. But lenders recognize the issue, and not all loan programs are the same when it comes to credit. Some give more flexibility to approve people with lower credit scores or major credit problems like.

Allowing them to lower their minimum requirements for a loan. No longer do you need to have a 620 credit score, people with poor credit can get approved. These "bad credit home loans" are known as a sub-prime mortgage. FHA loans allow for poor credit scores as low as 500 with 10% down and 580 score with 3.5% down.

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When you apply for a home loan, there are two approvals that have to be sought out if you borrow more than 80% of the value of the property. One is from the lender, and the other is from the mortgage insurer, who protects the lender in case you default on the loan.

But getting approved for a credit card? For some, it requires a little know-how and planning before applying. » MORE: Ready to apply now? See NerdWallet’s best credit cards » MORE: Bad credit? Get a.

Another option: submit a mortgage application at your current financial institution. Although your credit is poor, they may be able to approve you off the strength of your long-term relationship with the bank. Plus, you have a better shot at pleading your case with a banker that knows you, and not a complete stranger. Save Up for a Down Payment