What do you consider BAD Credit? I know some lenders that will work with a minimum of a 620 credit score.
Your abililty to get a mortgage will be based off your credit, debit to income ratios, and job stability.
Each Buyer is unique. It might be worth it to contact a Lender to see where you stand. Worse case if you don't qualify, we could always look at rent to own or land contract properties.
Hope this helps and if you need any lender contacts just let me know!
Have a good night!
Century 21 Real Estate 217