Pay off all credit cards and short-term debt.
Establish a high credit rating.
Acquire a big pocketful of credit cards.
Cash advance the cards to purchase a house with CASH.
Cash purchase as opposed to "pending" purchase loan improves price negotiation.
It also opens possibilities of "as is" purchase of "non-loan-qualifying" "fixer-upper" and foreclosure auctions.
We bought one that way with 100% credit - purchased a fixer-upper at foreclosure - fixed it - then obtained a refinance mortgage against the repaired value - paid off the cards - and pocketed the extra cash!