How can I get approved for a mortgage with bad credit?

To get approved for a mortgage with bad credit, start by improving your credit score where possible and pay down existing debts. Consider making a larger down payment to reduce the lender’s risk. Explore government-backed loans such as FHA, which are more flexible with credit requirements. Shop around for lenders who work with poor credit borrowers or consult with a mortgage broker. A co-signer with strong credit can also help. Maintain stable employment and document your income clearly to demonstrate your ability to repay the loan.