bad credit home loans first time buyer

Which is better: Individual first time borrower alone or individual & co-signer (who has bad credit)?

Is it better to just apply for a first time home loan myself or apply with a co-signer (who has bad credit)? Are there any banks that tend to finance first time home buyers more than others? Thank you.

Do your homework. Call the banks. Better yet, call a reputable mortgage broker. Level with them. They will find out the truth, because you can’t hide it. Stay away from someone who will lower your ability to get the loan, especially someone with bad credit. You will do better on your own.