Trying talking to a mortgage Broker, Bank or goverment loan programs, however pull your own credit report before visiting to show them. Otherwise everytime they pull your credit report, your credit score and your worthiness will decrease. Carry your own report to see if you can qualify first.

There are many first time home buyer's programs available that will assist in down payment and closing costs. The best part is your credit doesn't have to be perfect! Sometimes a little extra research into local programs can be beneficial to those who have been turned down by traditional financing.

Hmm, it's just like opportunity to knock while you are in the shower. You may need to settle for what you can get, or let it go.

For now, take a look at the following page to see whether you can find something that might work for you:

http://www.hud.gov/buying/localbuying.cfm

contact me off line at Gail@GailGladstone.com and I will give you the contact info for a mortgage broker who goes out of her way to assist in such circumstances.

Depending on what part of the country you are in, you may qualify for an FHA Loan, FHA Loans can only be done by Loan Consultant Companies (Brokers) who have been certified by FHA. There is also programs out there where the Seller must credit 3% which may be applied to your down payment or closing cost. So in short, there are options, a good Loan Consultant will be able to assit you.

NEED THE EXPERTISE OF A PROFESSIONAL MORTGAGE BROKER. THEY HAVE MANY VARIED TYPES OF PROGRAMS. HAVE YOU DISCUSSED LEASE PURCHASE AT ALL?

yes i have, about 5 of them. i am 30 points out from a mortgage, but my score has gone up 50 points in about 6 months so i say less then 6 maybe 12 months i will have a score worthy of a tradtional mortgage.

Have you actually sat down with a mortgage loan officer? If not, do so. Try your bank first. Then try a mortgage broker.