If you have credit issues that need to be resolved before buying, it’s usually best to get them cleared up and wait the necessary time to be able to get financing. The main reason for this is you will probably have to pay a higher interest rate, make a higher down payment and possibly have someone to co-sign on the mortgage.
There are options for owner financing, lease purchase, etc. However, if you require special financing, your options for a new home will be much more limited. And, when a seller offers financing, it may be at a higher rate than a traditional lender would charge.
It is better to meet with a lender to get specific information on what you need to do to be able to qualify for a loan. Spending 6 months or a year getting your credit in order can end up saving you lots of money in the long run. And, if you qualify for traditional financing, you have more options when deciding which house to buy.