With not so good credit AND no down-payment, I don't see it happening. Get a credit report done and see what is hurting your credit. You may be able to dispute or pay off a lot of accounts that are hurting you. Late payments are also a no-no and can damage your credit. Make sure all your bills are paid on time. Second, start saving up right now for a down payment. Sometimes all you need is 3.5% of the house price. If the house is $200,000, you need $7,000. You could always dip into your savings account for a little bit of money, save some, and then use the rest from your tax return. With good credit and a down payment that will take you a lot further.