If you want to buy a house, and you have problem credit, you may be wondering if you can even get approved for a mortgage loan. Actually, it's a lot easier than you think! Mortgage lenders don't want to turn you away, even if you have problem credit. Your business is their bread-and-butter, so they're anxious to work with you to help you get approved for a loan. Here are some reasons you may be a better borrower than you realize:

You have a long employment history.

Lenders don't like to see a borrower who jumps from job to job. Job-hopping can be a warning sign of someone who doesn't take responsibility very seriously. It also may be a red flag indicating that the person moves to avoid paying bills. If you have a long employment history--you've been with the same job for three years or more--you have a better chance of getting approved for a Mortgage Loan. Even if you've changed employers, staying within the same line of work or industry shows dedication and responsibility.

Your income keeps on increasing.

If your income history shows a steady increase over the years, lenders are more comfortable that you'll be able to make payments on your loan. Spotty income--or income that goes up and down--tends to make lenders nervous, because you may have trouble making your payments during "down" years.

You have a big down payment.

If you've managed to save enough for a significant down payment on your house, it demonstrates fiscal responsibility. Moreover, the larger your down payment, the less you have to borrow--and the more equity you immediately have in your home. A large down payment can make you a very appealing candidate for a loan from a lender's point of view.

Try using one of ABC Loan Guide's Recommended Poor Credit Mortgage Loan Lenders.

Problem credit does not necessarily mean you will not qualify for a Mortgage Loan. Lots of other factors--like your employment history, income and down payment--are considered when a lender is deciding to approve your application. Even though your credit history is weak, your strengths in other areas may get you immediate loan approval.

View our recommended lenders for Home Loans For People With Poor Credit. Also, view our recommended sources for a Free One Time Credit Report.