How do we go about getting a home loan with no credit/bad credit and no down payment?

Question by : How do we go about getting a home loan with no credit/bad credit and no down payment?
My husband and I want to buy the house we are renting right now. We have been renting it for about 3 years now. The landlords are willing to sell it to us, the problem is getting a loan. We have never, ever had any credit cards, but a few times the bills were paid late.Right now we have no over due bills. Been paying steadily for the last 2 years and even pay early.When we tried to get a loan

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