Amazing! No credit and wants to buy a home. The thought should be....... stay put, maybe rent, save some cash, build some sound and sensible credit, and then look to purchase a home. Why do you think we have the housing situation that we have? As Realtors this type of advise is more of what we should be giving. There will always be someone out there saying call me I'll get you financing. That's exactly what has been taking place for the past several years. I am getting my share of bank owned and short sales now thanks to this type of approach by some people.