How to buy a house with ';OK'; credit?

Me and my boyfriend want to buy a home under $200,000. The problem is he has bad credit but has $20,000 saved up for a down payment. He has been at the same job and address for the last 7 years and makes around 32,00/yr. I have been at my job for over 2 years and will soon be paying off my car within the year, however I only make 29,000/yr . The question is can we get a mortage based on my credit which is not great alone but considering his income and down payment? I know my wording is kind confusing but if anyone out there can figure it out and provide some insight I'd greatly appreciate it. Thanks alot!How to buy a house with ';OK'; credit?
Buying a house together with a boyfriend... spells disaster.



Get married and combine your income legally and then buy a house.



If at all... you need to find a property that each of you could pay for by themselves if the need came up. AKA you break up with boyfriend and take over the payments on your own and vise versa.



Because if it doesn't work out between the two of you... then neither of you can afford the monthly mortgage payment and that alone is a risk most banks don't take nowadays.



Look for a house in the $100K range - with his $20K down payment you are looking to finance around 80K and that... can be handled by either one of you should you ';break up';.How to buy a house with ';OK'; credit?
When you go to apply for the loan through the bank or a mortgage company, ask them to look at both of your credit reports, and to use which one has a higher score. Higher score = lower interest rate on the mortgage. The bank can tell you best how to qualify based on each of your financial situations. Good luck!
If someone sign that you will pay monthly payments on time i mean someone who takes responsibility and you can improve your credit score by applying the account in any credit union but i think that takes a lot time the first one is best for you and good luck !!!