You say "we" which implies there are two of you. Do *both* of you have bad credit? Do both of you have a steady income? The more stable of the two of you should attempt, perhaps, to get a loan only in his/her name. But as the other respondent said, go talk to a mortgage lender. Are you members of a bank or a credit union? That's a great place to start. Then shop around. I'm hoping for the best for both of you.