Yes I have an Idea for you, contact a Realtor in your area and tell them your scenario, then meet with a qualified mortgage lender or financial institution to confirm that you cannot in fact get a loan. then when that is all said and done, go out an find a seller that has equity that will be willing to do a seller carryback loan sometimes referred to a wrap, if they have a mortgage on the home, but make sure that you are covered by setting up an escrow account where the payments go to so that they seller does not stop making payments while you are and whala one day you end up getting foreclosed on and don't know why. You need to talk with competent realtors and lenders and title people in your area. Perhaps even an attorney should you need that type of advice.
Best of luck on your home purchase.