If your having trouble selling your home, you may want to consider "short term" owner financing through a Land Contract. Seller financing is when the seller is willing to become the bank to the buyer for a short period of time. In times like these, where banks will only loan to borrowers with "GREAT" credit, seller financing can be a great selling point for your home.
Seller-financing surged in the 1980's when banks were charging up to 20% interest on loans..so many people decided to cut out the banks and just use seller-financing.
And now we're seeing history repeat itself.
For more information on "seller financing" go to: http://www.askalicefuller.com