Last week we looked at other factors that may come into play when your credit, as a first-time buyer, is poor. What are some options to finding a lender?

• FHA Loans: The federal Housing Administration on requires a credit score of 580 and a down payment of 3.5 percent. Many lenders won’t go below a credit score of 620, so you may have to look around.
• VA Loans: Military personnel (current or former) can benefit from very low – or no – down payment or mortgage insurance.
• Credit Karma: Credit Karma can help with crucial credit decisions so that you can improve your credit score before you apply for a mortgage.