Your income history such as two years' worth of taxes, hours worked, and job security can all help you qualify for a loan.

The statement your landlord provides is also important. A reference from a landlord can go a long way if you want to qualify for a mortgage with bad credit, provided you can prove that you have been paying rent on time.

Having some money available not only for a down payment, it can also increase your likelihood of getting a home mortgage with bad credit. This sum also shows that you are serious about investing your own money.

If you already have some money saved up, we recommend you find an experienced professional lender. You are more likely to get a home mortgage with bad credit through an experienced lender who is familiar with various financing opportunities. So here are a few steps that we hope will help you.

1. Do your best to find the right lender for a home mortgage with bad credit

Here are some lenders that cater specifically to users who are aiming to get a home mortgage with bad credit. The people at these lenders also know the best grant programs and purchase options for you. By turning to these professionals, your chances of getting a loan increase and you can reduce your actual expenses.

2. You need to fill out an application for a home mortgage with bad credit

If you have already chosen a lender, be sure to fill out the loan application as completely as possible. Be as detailed as possible about your current debt and financial situation. If there are extenuating circumstances in which you have bad credit, we recommend that you include an explanation letter that explains exactly what it says.

If there are lies or misrepresentations in your application, your home mortgage with bad credit will largely not be accepted by lenders. A lender can only help you if you are completely honest with him about your situation.

3. Perform relevant verification

If you submit your application, then you will be required by your lender to provide him with a great deal of additional information to secure your loan. Often, lenders will ask for references, verification of your current debt, or ask you to explain some of the details that appear on your credit report. If you need to cooperate as quickly as possible, you need to provide that information as quickly as possible so that your lender can approve your mortgage.

4. You should also close your other home mortgages with bad credit

If you are already certain to get a home mortgage with bad credit, then you must not damage your credit further. Make sure you pay all your credit card bills, because this can save you extra money, and you can't default on any property loans. For a period of time after submitting your application, you must do your best to maintain or pass your credit score.

After you have been approved for your home mortgage with bad credit, the closing process is much easier.

（Writer：Galli）