There are a number of options for people with bad credit. The Federal Government offers a number of programs that are safe and competitive with private mortgages. Casaplorer's First-Time Home Buyer Programs page has quite a bit of information on mortgage programs available to people with poor credit or less money for a down payment.
Yes, some lenders do offer mortgage loans to individuals with bad credit, but it's essential to proceed with caution. It's important to thoroughly research your options and assess the terms and conditions carefully. Look for lenders specializing in bad credit mortgages, but also make sure to choose a reliable company with a proven track record of helping borrowers like yourself, for example, find Specialized Loan Servicing reviews here https://specialized-loan-servicing.pissedconsumer.com/review.html. Personal experience has taught me the importance of reading reviews and testimonials to gauge the lender's reputation and customer satisfaction.
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