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I've had credit problems in the past. Does this impact my chances of getting a home loan?

Even with poor credit getting a home loan is still possible. A lender will consider you to be a risky borrower and to compensate for this they will charge you a higher interest rate, and expect a higher down payment usually 20%-50%. The worse your credit history is, the more you can expect to pay.

Today's Low Rates

PROGRAM RATE APR
30 Year Fixed 3.875% 3.93%
15 Year Fixed 2.99% 3.06%
5/1 Arm 3.5% 3.672%
All rates shown with 0 points
Assumptions

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