Go get one! If your credit scores are in good shape, your income to debt ratio is acceptable and you have some money for a down payment and closing costs you should have no problem. The buyers who have low credit scores ( under 640), an off balance income to debt ratio and no money are not getting loans easily right now ( if at all). Hopefully the market will open up a little at some point but the bottom line is if you are in debt and have a questionable payment history you probably shouldn't be getting into more debt until you pay off some of your expenses and show a better history.
Be sure to use a reputable mortgage company for your loan. If it is too good to be true it probably is.