[Kimberly O]

...there and how do I find one? I can actually afford to pay it back!

[Primacy]

Subprime mortgages are pretty much dead for purchase money loans, because wall st (the one who was buying the mortgages) is bankrupt. Now it's all about either showing income (full doc), or putting a large down-payment up. Either one needs good credit.The only other option is hard money, which means big down payment, but they'll finance ANYBODY, no matter the credit...Get your scores to the 700 fico range and you may get some Stated income programs out there, but it;s slim.Sorry dude, in '05 or '06 all you needed was a 620 fico and a pulse and you could buy a house with no money down. That's gone away....