How to Fix your credit to buy a home

3 Strategies for Buying a House with Bad Credit but Good Income


Blog Introduction: You’re not the only one out there with bad credit and a steady income. In fact, there are many people in your position who are looking to purchase a home. The good news is that there are some strategies you can use to make buying a house with bad credit and good income possible. The key is to work with a credit counselor or housing counselor to get started. Here are three strategies for buying a house with bad credit but good income:


  1. Get Pre-Qualified for a Mortgage

Most importantly, you’ll need to get pre-qualified for a mortgage before you start shopping for homes. This will give you an idea of how much house you can actually afford and what kind of interest rate you’ll be qualified for. Keep in mind that just because you’re pre-qualified for a mortgage doesn’t mean you’re guaranteed to get approved – it’s just an estimate.


  1. Work With a Realtor

It’s also a good idea to work with a realtor who has experience working with people with bad credit. They’ll be able to help you find homes that fit your budget and needs. Additionally, they’ll be able to negotiate on your behalf and help you navigate the home-buying process, which can be confusing and overwhelming.


  1. Be Realistic About Your Expectations

When you’re looking at homes, it’s important to be realistic about your expectations. Just because you have good income doesn’t mean you can necessarily afford the most expensive home on the market. Stick to homes that are within your budget and don’t stretch yourself too thin financially – remember, you want to be able to comfortably make your mortgage payments each month without struggling.



If you have bad credit but good income, buying a house is still possible – but it will require some careful planning and preparation on your part. First, get pre-qualified for a mortgage so you know what you can realistically afford. Then, work with a realtor who has experience helping people with bad credit buy homes. And finally, be realistic about your expectations when it comes to the price of the home you’re looking at. By following these steps, you’ll be well on your way to becoming a homeowner!

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