Many people didn't know the credit information before, and the result was overdue, which led to the failure of the loan application for buying a house. However, there are many kinds of overdue. If it is overdue within 1 month, it will not affect the mortgage. But if it is overdue for more than 3 months, it will be very difficult to apply for a mortgage loan. Of course, the longer the overdue period, the smaller the impact. Therefore, I suggest that you type a credit report first, and then the sales staff and the intermediary have a look to see if it can pass. Then ask from the side whether you can approve the mortgage by spending money. Because mortgage banks are local branches, as long as bank loan officers are willing to contribute, there will be some ways. So you can let the other party look at the credit report first.
If it is really overdue for a long time, there are too many overdue times. Then there is nothing the local branch can do. In this case, the main lender can only be changed. For example, your credit report has a bad record, but your lover's credit report is fine. Then you can buy a house in the name of your lover and apply for a mortgage. Of course, only her name is on the property certificate. Because when applying for a mortgage, you need to check the credit report of both husband and wife, even if your spouse's credit report is very good and your credit report has problems, it won't work. So you must divorce your lover before applying for a mortgage. After the mortgage is approved, you are remarried. However, this operation is a bit risky. If you don't trust your spouse, you shouldn't operate it. If other people are major lenders, such as your parents, and if the child is an adult, you can also buy it in the name of the child.
To sum up, if you have a bad credit record, how to apply for a mortgage loan. First of all, you can type a credit report and show it to the loan officer of the mortgage bank. Can you apply if your overdue is serious? If the other person says no problem, then you can try to apply once. If rejected, then you can only change the mortgage lender at this time. You can buy a house in the name of your spouse, parents and children and apply for a mortgage.