It is actually nearly impossible since the onset of the financial crisis to get approval for a home loan with bad credit without a very substantial down payment and/or a hard money loan. What one can do is make the necessary efforts to have their credit scores improved. Lexington Law is on the forefront of this very business as they have had millions of negative entries removed from the credit reports of their clients. It only makes sense that if a person had a derogatory credit record that keeps them from purchasing a new home to contact Lexington Law for their own free no obligation credit consultation. The process is fast and easy. Call Lexington Law today at 877-594-1032 and see what they can do for you!