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I'm definitely not an expert in this area, and may be off base here, but my answer to your question is that you most likely won't. Take the time and build your credit up first. Pay off debts and credit cards, make sure all payments are on time, let hard credit inquiries come off of your credit report (this takes time) and get a little money in the bank. IMHO this is a terrible time to buy a house anyway with the inflated prices. Be patient (which I know is easier said than done).
 

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1 post and it's about buying a house?
 

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Fix your bad financial habits and your credit score will fix itself.. it’s not rocket science.
 
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