We are probably the folks to help you. Banks don't care how or why you are in this mess. We have many nice homes that we offer with first mortage owner finance. This is a full deed transfer purchase with a low down payment and no ballon. This allows you to purachse a home and we find that after pay on a mortage for a while, your credit score starts to go up remarkably.
We work primarily in the Austin, Texas area. Trulia has been posting me in the Arkansas area. If you are in Arkansas, I will still give you some tips and pointers on this type of transaction. Many realtors are reluctant to work with this type of loan, but like anything there are good ones and there are bad ones. I bought a home this way and was very glad to have this option.... more