For anyone who knows, or has any idea of this. I am sure there are a few former mortgage brokers here An old friend of mine is trying to get a mortgage, and im trying to help her out, but this has me stumped. She has bad credit, from student loans not paid of when she was younger, and other things. The last year + she has begun to improve her credit. Now, in Canada if you are a first time home buyer, you are not required to have a down payment. Does anyone know if she will be able to not have a down payment, even if her credit is bad? Or, does anyone know how hard it is the get a mortgage when you have bad, but improving credit??? Thanks, appreciate it1