also please make sure to get yourself a buyer representative! You are the one paying the money for the house shouldn't you have representation just like the seller?
good luck on your purchase
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Now, if by "less than perfect credit" you're coyly referring to a score below 600 . . . that's not "less than perfect," that's "less than acceptable."
Less than 600 (though you might squeeze by with a 580), you buy a house by first raising your credit score.
Above 640 (which is much less than perfect), you just go through the regular process. Ask your Realtor for recommendations for a loan officer.
Hope that helps.