<prompt> Human: Are there actually programs out there that will help me buy a house? I have awful credit and Im having a hard time fixing it. There isnt much in my credit history in terms of debt, just nothing to show Im trying to fix it. ...because its so bad that no one will give me the opportunity. A giant catch 22. The only thing Im finding that is a workable solution is a contract for deed. And the only affordable one in my area that Ive found wants nearly 50 down! If I had that much money in savings, I wouldnt be looking into contact for deed! I had a home when I got married a decade ago, but its s charge off now.  <response>: Doesnt sound like anyone would want to help you buy a house because they probably wont get paid back. Look into a secured credit card to start fixing your credit. 