When you hear that it is hard to get approved for a loan, it means in comparison to several years ago during the housing bubble. At that time, loans were being given to people who really couldn't afford them. The only thing that would make it hard for one to get a loan now would be things such as not having steady documented employment or bad credit. If you would like to talk to someone about the possibilities for you, I have several lenders who would be more than happy to discuss your options.
questions they need answered from you is your debt and your income which will determine your credit score
you're buying power and what program best fits your situation
I hope I was able to answer your question