Believe it or not there are actually legitimate programs out there that will assist you in your quest to purchase a home, even though you have "challenged credit". One such program is the NACA program. Keep in mind that you will need to do a bit of work yourself. They will need to see how badly you want to correct the issues on your report. But as long as you are willing, they will help you get into a home that is affordable and if you like you can get a multi unit property. Log onto www.naca.org and you will see exactly what I am talking about. In addition, through my series of FREE workshops, I assist consumers with credit clean up at no cost. But try NACA, it is the best kept secret. Spread the word and write me back once you get the assistance you need.