What are some ways to get a home loan if you have credit problems?

Some ways to get a home loan if you have credit problems include using a Federal Housing Administration loan, finding a cosigner with good credit or using a rent-to-own option, reports U.S. News & World Report. Alternatively, focus on your income to convince lenders that you are a good risk.

Borrowers with poor credit can increase their chances of getting a home loan by making all rent and utility payments on time for a full year, states Bankrate. Another option is to build up cash savings to cover six months of expenses; doing so may convince lenders that you are a low risk for defaulting on loan payments.