Well, that is a loaded question, it depends on How bad is it??
I know you know that FHA ( the government ) is assisting FIRST TIME HOME BUYERS , with a Credit at Closing, of $8000.00. BUT --- you have to have a fair amount of credit history and a job !
So getting credit counseling is very important, ask a lender /banker , at where you bank, is fine, but i could also give you names if you need a direct referral . Do you know your credit score?- around 600 is where you need to be to go FHA. Some homes are selling for less in this Buyer's Market. Just call or email and we can talk further. (Patty@PattyEveritt.com)