Follow the steps below and you may be able to purchase a House with Bad Credit. Continue reading to learn more about it! Obtaining a house with bad credit poses challenges, but options exist. Consider alternative lenders who specialize in bad credit mortgages. These lenders may offer higher interest rates or require larger down payments. Alternatively, a lease-to-own agreement allows you to rent the property with an option to buy later, giving time to improve credit. Government programs like FHA loans provide opportunities for low credit score applicants. Improve credit by paying bills on time, reducing debt, and disputing inaccuracies on credit reports. Additionally, consider a co-signer with good credit to secure better terms. Patience and diligent financial management pave the way to homeownership despite credit setbacks.