To be honest, looking at your situation right now, it's very unlikely you'll find someone willing to loan you money. I know it's a tough pill to digest but I have worked with many lenders for my buyers and know the lending is really really tough out there. What you need to do is work with a reputable credit repair agency and start from there. Once your credit is repaired, you may have a chance. Until then, you'll just run around from one lender to another submitting dozens of documents just to be turned away. As much as I hate to give you bad news, I think it will save you the heartache of being turned down after putting in so much effort. Good luck.