My wife and I are loking to buy a house very soon. I have pretty bad credit (550) and tired of paying rent. I have a three year old and one on the way. The apartment arent big enough for the four of us. I just got a new job (this month)making around 50,000. But, like I said I have bad credit. What is the best way to go about finding who will give me the best rate. What is the FHA loan? is lending tree any good? Should I try to find a lease to purchase / rent to own. I just dont know where to start. Any advice would be great thanks.