Credit Report Tips
Depending on the lender or mortgage broker, it may be possible to pursue a loan before negative items on your credit report are removed. Talk to your lender about outstanding things (like unpaid parking tickets that you've paid) and they might be understanding.
Beware of companies that promise free credit reports, but really want to sell you services to fix your credit. Remember, three credit bureaus are required to give you the report free. To then figure out your estimated credit score, use the Credit Score Estimator on Zillow.
Check government loans if you have bad credit. They are more forgiving.
No credit at all? Everyone has to start somewhere. FHA loans are subsidized by the government and require a lower down payment than many conventional loans. They target first-time homebuyers.