My Mom has terrible credit. Its pretty bad. We're late on bills a lot. But we need a house, we've been living in a condo for 3 years and it's terrible. But she's looking to buy a house and wants one so how would we get a house when her credit is so bad? We're looking at like 250,000$ range and have no downpaymemt money. Is there a way we can get a home? She's a RN. She makes 42$ an hour so she has a good job..