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Just do the math -- the money that you can save up for six months, will actually do you a great deal in the long run, compared to the additional interest fees you're likely to pay. Considering that, it may be worth it to wait six months, and save up for a down payment, before applying for a mortgage. Also, this gives you the opportunity to build up your credit history.
Lastly, shop around. A mortgage for people with bad credit can be found
if you contact the right lender. Don't believe what some people will
tell you -- that if one mortgage lender won't help you out, then none
of them will. This is not true. There are different lending
institutions out there who are experiencing the need for customers, and
are willing to take greater chances.
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