Shannon, the only programs that catered to the credit-challenged, so to speak, are essentially gone. These programs were known as sub prime. Though they still exist, they require a 10-20% down payment. Your best bet is to check out FHA programs, which technically don't have a minimum FICO score (though each specific lender does). If you don't have any major derogitories within the past 24 months (lates, bk's, liens, etc), and you can get 3% down, you've got a shot at getting a great loan! It won't matter whether you're a first timer or buying a condo..