An Adverse Credit Mortgage is specifically designed for individuals who may have a less-than-perfect credit history, such as missed payments, defaults, or past bankruptcy. If you're struggling to secure a traditional mortgage due to credit issues, this type of loan could provide you with an opportunity to buy a home.

Lenders take a more holistic approach, considering your current financial situation, recent credit behavior, and overall ability to repay the loan, rather than solely focusing on past credit mistakes. With the right support, an Adverse Credit Mortgage can help you move closer to homeownership, even with a challenging credit history.