Lisa,

Have you ever considered buying a home on a rent to own program? The down payment is a fraction of what you'd need for a conventional mortgage and you could get into a nice home, even if your credit isn't so good.

Wait to buy. Housing prices are declining. Maybe it's a blessing in disguise. Good Luck

Lisa if yiou can come back on and add a comment with more information. Usually you meet with a mortgage company and get a prequalification, this tells you what price range you should be in, what your monthly payments will be and what you will need to apply for the loan. Then you go out and find a house, make an offer, get it accepted and make formal application for your mortgage. Within 30 days you should have loan approval and will be able to close within 7 days. If you could outline where the breaksown is for you with your mortgage company i can assist further. you may need a new mortgage company if you are getting any kind of runaround. You should have a buyer broker who can assist you through the process.

Lisa, I agree with Maureen. In order for us to help you out I think we need more information. Tell us more!

Lisa,

What does it mean that you have an approval, but you keep getting the run around? Usually once you have an approval you are closing a few days later. Do you mean you have a pre approval? Have you bid on a house yet? Do you have a Realtor. He or she might be able to help you with whatever this financing stumbling block seems to be.

Maureen