Mortgage Help for "thin file" little credit?

I am 19 me and me girlfriend are going to get married and we want to get a house we both work full time I make about about 15000 and she makes 25000 annually we also want her mom to move in who gets around 12000 a year and with help with the mortgage. My girlfriend has bad credit because of not having medical insurance so has medical bills and the city she lived in left her utilities on in old addresses for years 6 in one location so she has thousands owed to utilities and her mom is in the same boat. I currently am also a full time college student I work very hard as does my girlfriend and I want us to be able to get a house. On paper I make so little but I only have good credit with my car payment which has been paid on time for the 10 month lifespan of the loan which is 2 years (totaling 00) although I am saving up and will have it paid off by February though and the only other thing on my credit is my student loans ( totaling 50)which i am also in good standing with, I know all of this because I checked my credit report but not my credit score because it costs money and I don’t have a credit card also though I have applied for a discover card and was declined the only other checks on my credit were twice when I was looking for a car and my bank twice trying to get credit over draft protection and my car loan a have a co-signer. I am no longer living with my parent but the rent isn’t in my name all the bills are though but only since July this year. The house market where I live we could get a nice house for about 50,000 we wouldn’t be able to make a big down payment but want to take out only a ten year loan and could afford an interest rate up to 9%. We have heard the are going to extend the 8,000 first time home buyer tax return till April next year which would be nice for paying off the home early but we would definitely like be in a home before next summer and 8K would be nice too but what things I should do to try to get this accomplished. Would getting a credit card with an annual fee and always paying the balance be a good idea because I thought the cards you have to pay to have are a scam or didn’t report to the credit bureaus; and how do I get pre-approve and would this be a good idea at this point or would it be a waist of my time and make my score worse?

Is it possible to get a mortgage when you have bad credit?

My credit score is only 519 and my husbands is only 490. Pretty bad I know. My husband has over ,000 in medical bills from a car accident on his credit along with some credit cards he never paid when he was young & stupid. I have all my credit cards in a debt settlement service so they are all showing in default until they are settled. Is it still possible to get a mortgage? I only have like 00 to put down (hopefully the seller will pay the closing costs). We have 00 a month in payments for 2 cars & insurance and about 0 in other misc bills (cell phone, etc..). We make 00 a month before taxes. We are looking for homes under 0,000 (in my area, that’s what you pay for a decent house). Is it possible to get a mortgage and do you know any companies or brokers to refer me to? I live in central Florida (Orlando/Kissimmee area) Thanks!!
1. Can’t sell the cars, one’s a lease, the other we owe too much on.

2. Credit cards are all gone, working in a program to pay them off.

3. Not paying on medical bills right now, they are in dispute.

Anyone know of a mortgage lender who will loan to people with bad credit?

I had cancer a few years ago and spent 2 years fighting to get SS Disability. Things are better financially now but my credit has some delinquent medical bills on it and my score is in the low 500’s. I am working on improving my credit and will continue to do so. We would like to buy a home and understand the importance of a good credit score. Does anyone have any ideas on a lender that could possibly help us. Thank you so much!!

Mortgage with bad credit score?

My husband and I live in FL. We both have terrible credit, around 550 (past bankruptcy, medical bills etc). While we understanding that raising the credit score is the best way to get a mortgage, we’re looking to get into a home sooner then later.

- Any advise on how to get one?
- Specific bank names/lenders etc., that may help are welcomed.
- What percent should we expect to put down with our credit score?

Thanks!