If you have a good employment history and a good explanation for your credit woes, you may be able to find a home with Seller financing and once you get your credit in order, refinance into an FHA or Fannie Mae mortgage.
Another option is a Lease-To-Purchase where you rent a unit until your credit scrore improves to provide you the financing needed to close.
As a Miami Dade Resident, you may also qualify for MMAP funds. The assist with the closing costs up to 6% of the purchase price.
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