How you have paid your debts is an important indicator to lenders of how you will repay your loan. If you have credit problems, or feel you need help managing your budget to prepare for home ownership, you may want to contact a credit counseling agency.
These agencies are primarily community-based nonprofit groups that specialize in pre- and post-purchase home owner education and credit counseling. They will work with you to develop a plan to repair your credit, and help you start a savings plan for the down payment, provide home buyer education and help you get ready to purchase your home.
Click here for a listing of home buyer counseling agencies in Wisconsin.