is it possible to get a mortgage loan for 189500 if you have poor credit? l

Possible?  Maybe.  It depends on how you define "poor."  Of course, it also depends on how the lender(s) you speak with will define poor. If you've taken such a hit that your score is close to rock bottom, then you'll have slim chance of obtaining a loan.  If, on the other hand, you've made strides at improving since you hit a low point, then that would be in your favor. Honestly, the best answer I can give you is this:  It all depends.