Home loams with fair credit are common and available through many financing organizations. However, for one to get a fair credit loan you have to maintain a goof finance records, this means you have to ensure that you pay your bills, credits and loans in time and avoid borrowing against other loans. You have to ensure that you have no outstanding balances or credit. Your credit card should be up to date with all loans offset and cleared. You also need to maintain a good bank balance in your savings account. You should only use secured credit cards to ensure that all your payments and transactions are well updated. Getting home loans with fair credit at fair interest rates will be guaranteed once you can prove that you are credit worthy and you can be able to finance the loan without defaulting. Many banks have closed down due to loan defaults and all financial institutions are now cautious when lending out loans.