Poor Credit Mortgages -Getting a mortgage with bad credit can be tough. Having bad credit isn’t ideal because lenders prefer careful borrowers with a history of timely repayments. If you do have blips and missed payments from the past, there are a few things you can do yourself to improve your affordability for a mortgage. If you’re worried about bad credit stopping you from getting a mortgage, know that the 1st Choice mortgages helped hundreds of people find a lender and get approved.