You may be able to get a mortgage if you have a history of late payments or collections, but it will depend on your credit score. A history of late payments or collections can negatively impact your credit score, which can make it more difficult to qualify for a mortgage. However, you may be able to qualify for a mortgage with a lower credit score if you can provide a letter of explanation for your credit issues and can demonstrate that you have made efforts to improve your credit habits. Additionally, you may want to consider working with a mortgage broker or financial advisor who can help you navigate the mortgage application process and find a lender that is willing to work with you despite your credit history.