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Buyers could find a solution in Home Possible, a low-down-payment conventional mortgage from Freddie Mac. and the change in appraised value after the renovations becomes a credit they can apply to.

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Sally Herigstad: How to get a mortgage with no credit history. – I just spoke to a Chase loan officer on the phone, and she said that there’s basically no way to get a mortgage these days with no credit. I’ve been trying to research how long it would take to establish credit if I got a credit card, and I’m getting conflicting stories ranging from six months to two years.

How to Buy a House with Bad Credit, FICO Less than 600 – Debt.com – That means lower interest charges over the life of your mortgage; you essentially pay less to borrow than someone with bad credit.