HARD Money Loan VS 1st Homeowner Program

[Kirkland Horton]

I'm at a crossroads, well I think I am. I applied for one of the "1st homeowner" programs that will assist in helping buy my first home. The issue is , I am just a couple points short to be qualified for the program (my credit score ). When I say a couple points short, I mean less than 15 points from being qualified. I haven't long worked on my credit score, but now that I am it is slowly building.  But I am eager to jump on a deal, so do I wait this out as my credit builds, or find a Hard money lender to finance my first home?