Hi Sonia, without much information the short answer is yes. However, you really should sit down with a licensed mortgage professional and have a pre-approval done. Typically, if you have negative things on your credit, but your debt to income ratios are good and your overall credit score is above 620 you can still get a mortgage. A mortgage professional will be able to advise you about those blemishes on your credit. Some of them might be easier to have removed than you think, and a mortgage professional can also advise you on the banks criteria for lending which will help you get on track for the future if you are unable to qualify for a loan at the moment. I wish you the very best of luck in your home search, and if you need help finding the right home I will be happy to do so.