Buying first home questions…….?

My husband and I want to buy our first home. Our credit is not good due to alot of different reasons. I have thought about rent to own, and it so happens in the next 3-4 months we will have about 15k to put down on a home. If we were to buy points, will that helped us get approvel even with bad credit? With a 15k down payment and say 5k to buy 5 pts…will that be just like making a 20k down payment? Any help much appreciated.

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