<prompt> Human: I live in Canada. Had pretty bad debt in the past but its all paid off. Credit score isnt looking too good but I make enough money that I can afford house payments. Any tips on how to get a mortgage? Or even a mortgage company in Canada. ThanksEDIT: Already have a house lined up for 30,000. Yeah houses are pretty cheap where I live.. and I have a down payment, buy the banks seem to want to take there time because of my credit history?  <response>: Might want to try this in rpersonalfinancecanadaMy advice - take a year or two to build your credit score and then apply. Youll save a ton of money in interest because any mortgage you qualify for with poor credit will be costly. If youre intent on getting a mortgage now and have a significant down payment - go with a mortgage broker. 