Can I buy a house if I have bad credit?

90% of potential homebuyers have some blemishes on their credit, but as long as you are willing to put in the effort you can begin to improve your situation. If you think you may have a poor credit history, you should begin the home-buying process by attending mortgage counseling.  Free and confidential mortgage counseling is available at several agencies.  The Long Island Housing Partnership (LIHP: 631-435-4171) and the Community Development Corporation of Long Island (CDCLI: 631-471-1215) are just two of several HUD certified counseling agencies that will help you learn if you are ready for homeownership.  They will also assist in teaching you how to repair your credit in advance of purchasing a home.

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1. What is Affordable Housing?
2. Why is Affordable Housing so Important?
3. What is Area Median Income (AMI)?
4. How do I know if my income qualifies me for affordable housing?
5. Where do I apply for affordable homes in Southampton? Where and how do I apply to rent an apartment?
6. Can I buy a house if I have bad credit?
7. What does subsidized housing mean?
8. What is Section 8?
9. Can I apply for Section 8?
10. What is a Housing Authority?
11. I saw a property that was built with LIHTC. What is LIHTC?
12. Do you provide emergency shelter?
13. Do you provide any helpful resources?