Dreaming of owning a home but have less than perfect credit?? There are still options. There are several creditors who offer home loans for bad credit. While these loans do not typically have prime interest rates, the loans make it possible for everybody to fulfill the American dream of owning a home. Once a person’s credit has been built up, refinancing is always an option. Here are Felisza?s tips for finding a home loan with a fair to good credit score that doesn’t qualify for prime rates.