Putting 10% down instead of 3.5% reduces the lender's risk.
A family member with great credit can help you qualify. help buying first home bad credit
If you can wait 3 to 6 months, you can often boost your score by 30+ points: Putting 10% down instead of 3
Don't pay someone to do what you can do for free. help buying first home bad credit
Lenders may require more "skin in the game."