Securing a mortgage with bad credit is challenging but achievable. Start by checking your credit report for errors and work on improving your score by paying off debts and making timely payments. A larger down payment can also help. Consider government-backed loans like FHA or VA, and think about getting a co-signer. Shop around for lenders, as criteria vary, and demonstrate financial stability through steady income and budgeting. Seeking professional guidance can further enhance your chances of approval and homeownership.