If you are ready to buy a home, it is strongly advised to contact HUD housing counseling agencies. For Federal Programs, you can find the closest Housing Counseling Agency here.
There are also Neighborworks Homeownership Centers (HOC) located throughout the country and available to guide you through the home buying process. For information about the nearest HOC, check the directory found here.
States and Housing Agencies may use federal HOME and CDBG funds to build new homes or renovate older homes for low income buyers to purchase. Additional homeownership programs may be offered locally by your state or city. You can access your state list here.
Applying for housing with bad credit.
Most HUD housing programs, like Section 8 and Public Housing, do not have a credit check. But Section 8 landlords will likely require one for an available unit.Lisa Selby says:
"After years of applying for Section 8 and never being called, this website is the reason I finally received my voucher, and just moved into my new apartment! If I had not started receiving alerts from Affordable Housing Online of waiting list openings in my area, I would not be where I am today!"