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.