Why not consider having your credit repaired? You don't have to chalk it up as having bad credit forever, there is a solution to your problems.
Having a good credit score before you go for a mortgage will save you a ton of money and a lot of hassle. A homeowner with bad credit can expect to pay an extra $50,000 to $130,000 in interest alone for a typical American home. That adds an additional $140-$361 to your monthly mortgage payment with a 30 year mortgage.
I am a Credit Consultant specializing in Credit Repair. I can fix your credit report by permanently removing negative items like collection accounts, tax liens, judgments, medical payments, whatever the case may be. You can expect to see your credit score rise 50-150 points within 3-12 months. I'll be happy to take a look at your credit report and see what I can do. If you don't have a credit report, I'll get you one! I work closely with some good Mortgage Brokers too, so that when the time is right they can get you your mortgage.
I look forward to speaking with you,
Credit Rescue Inc.
124 Chestnut Street
Philadelphia, PA 19106