I see no reason why you can not get a loan to buy a house, providing you have told us everything, and there are no skeletons in your closet. But one has to ask why you think you can't get a loan, and who you are asking to rescue you in THIS forum...
My 32 years of experience in Real Estate would lead me to think that there is a way to get you financed for a house. I work with an expert loan officer who has a direct line of communication with the underwriter. If it can be done, HE can do it!
~So call me, and let's get started. The first thing we will do is get you pre-approved for a loan. The second thing we will do is determine what you can buy and what you wish to buy. Then we will go out and inspect some houses until we find the right one that fits the needs of your family.
Once we make an offer to the seller, I will use my skills as an expert negotiator to work the best deal for you. Then I will guide you through the whole process of purchasing a house, and we will supervise inspections, appraisals, and insurance requirements.
Finally, I will set up an appointment for closing, and I will accompany you to the title company.
Any questions?? If so, they will all be answered!
Contact me asap.
Have a great holiday weeekend!
---ULTRA Real Estate Services