The average credit score is in the upper 600's. I'm assuming you know your score, if not you can find out by going on-line and going to Experien, Transunion or Equifax. You can also apply for a mortgage through a mortgage broker and bank and having them run a credit check and tell you the scores and your options. If you can not get a mortgage based on your scores and or debt, there a credit repair companies and also local non-profit consumer organizations(such as CCCS) that can guide you toward financial fitness.

What do you mean by not good? The best advice I can give you is to go talk to a mortgage broker or banker who can pull your credit report and help you with a plan of what you need to do to obtain a mortgage.

If you credit is truely bad, then you need to look for an owner who is willing to give you owner fnancing or a lease purchase. However, in the case of owner financing, they will want to see a good downpayment unless they are truely motivated to sell and are willing to take the chance.

The last thing a bank wants to do is to sell a foreclosure to someone that very likely will default again. What you should do is to set up a program to improve your credit and finances. Many communities have organizations that can assist you in that goal. It might be a Community College or an affordable housing authority. Ask around and you will probably find something. For the next year, you will have to be disciplined in your financial affairs so as to improve your credit. (For starters, I suggest you get rid of your credit cards). It will be a difficult task but one that reaps great rewards that will last for the rest of your life.