I've had credit problems in the past. Does this impact my chances of getting a home loan?

Even with poor credit getting a home loan is still possible. A lender will consider you to be a risky borrower and to compensate for this they will charge you a higher interest rate, and expect a higher down payment usually 20%-50%. The worse your credit history is, the more you can expect to pay. HOWEVER, every week lenders are unvieling new loan products for all different types of borrowers.  Check in with Stephanie to go over your options for a home loan.