You might want to have your Realtor look for properties that are free and clear (where the seller does not owe anything). With an adequate downpayment the seller may be willing to carry the loan for you.

You can also look at buying a property "subject to" the existing financing. It could be a little risky for both buyer and seller...but it'sanother possiblity.

These are all examples of "creative" financing...try to find a Realtor that is familar with these processes and maybe you can find something that works for you.

Good Luck!!

Grami, thank you for being upfront. To answer your question frankly, no. You need to work with a local mortgage broker or lender to review your credit report, pay off any past due accounts and establish a timely credit history to qualify for financing. Most lenders currently will require a 620 credit score.