I know everyone has a different situation but the bottom line is you are not doing yourself a favor by getting involved in another financial obligation until you correct those you've already been a part of. Nobody is going to offer you a loan because they are nice guys, they are going to do it for profit not any other reason. Be responsible, work on your credit and buy a home when you are ready financially so you can better protect your interests..
Check these out in the meantime...http://www.govloans.gov/govloans_en.portal?_nfpb=true&_p
http://www.ofheo.gov/PublicInformation.aspx?Nav=136 ......about mortgages and predatory lending..
Good luck, Dunes
Work on paying down your debts to increase the credit score, and try to stash some cash for the down payment.
Please give me a call or email if you want some tips on how to get your FICO score up. Best of luck.
We can often times secure permanant financing on people that didn't realize they qualified.
Give me more information at http://www.FinancingAtYourFingertips.com and let me know what it is that you are looking for and where and we shall see what we can do for you.