Yes, a mortgage broker can be very helpful if you have bad credit or a low down payment. This is because mortgage brokers work with a variety of lenders, including those who specialize in providing loans to people with less-than-perfect credit or who need assistance with a down payment. Additionally, because mortgage brokers have access to a wide range of loan products from various lenders, they can often find loan options that are not available through traditional banks or lenders. If you're in the Eugene, Oregon area and need help finding a mortgage that works for you, contact eugenemortgagebrokers.com. Their team of experienced brokers can help you navigate the lending process, even if you have bad credit or a low down payment.