We admire your grit. While rebuilding your credit, would you consider a starter house, 2 bedroom, 1 bath? We have a few like that in the Cleveland area. With your $5000 downpayment we can probably develop a program that works for you based on your stated monthly income. Although the home would be substantially less expensive than what you are proposing, our programs are designed to get you free and clear home ownership in a 2-5 year period, not 30 years. No credit check. We finance directly. Once you own the home outright, you will have equity to use, if you choose, to upgrade to a larger house or expand the one you are in. If you maintain a good payment history, your credit score will also improve dramatically.