<prompt> Human: Title pretty much explains it all, Im preparing to get serious with my housing search but need to get this sorted out first. Budget - 600,000. I have 1.2m available total that can be liquid pretty quickly. 60,000 is available now and ready to go. Income is 110,000 a year. Current monthly expenses is about 1,000 a month. HOA fees, electric, car insurance, groceries and entertainment. I own a townhouse that I have not yet decided if I want to sell or rent. My real estate agent estimates itd rent at about 2,200 a month. Im 29 and have never had credit until a few years ago until my girlfriend urged me to get a card and start establishing. I never saw the importance as I always pay cash for everything and have never needed to borrow money. Ive made a late payment or two and let a medical bill go into collections about two years back. Credit score is a 500 something. Ive been told that my assets could help secure a mortgage even though I have terrible credit. Obviously I do have the cash to skip that route, but that takes away my stock power to yield more dividends each year. All advice is appreciated.  <response>: I think the easiest thing to do would be to talk to a lender and see what options they give you.Asset-based loans are a thing, but typically they are used to get around low income, not low credit scores. There are low credit score loans available, but the associated interest rates are high enough that youll very carefully have to consider whether it would be more cost effective to buy in cash.Talk to a lender that will work with you on rebuilding credit - it may be a simple thing to work out a plan to get your credit score high enough i 3-6 months that you can get a normal loan with great rates. 