[Brandon D]

I have been trying for several month to get a loan for a new home, but I have had no success at all. Everybody that I contact or apply with give me the same answer all the time, which is " Sorry we can't help you at this time due to your poor credit rating. If no one will give you a chance then how can you fix your credit situation? I have been employed for the past five years with the same company. I don't make a whole lot a year. I make about $40,000 a year. I think I can afford a new mortgage. I would like for my children to grow up in a better situation than I did. I admit I have made some mistakes financially, but are those mistakes going to haunt me forever? I just want a chance to live the American dream of home ownership. Please don't mention credit repair, I have tried those companies and my credit sitiuation is was worse after I finished the repair program. If you do not have positive input please don't respond to this question. Rip-off artist need not respond.

[lucky4341]

You don't sound like you need a mortgage right now. You need to be realistic and take an honest look at your "wants" and "needs." You need to rent a place for a while. There's much less risk involved.

[silly sarah]

yeah pretty much anybody can get a loanbut then you will just be in more debt(if you already are)and you cant live your life in debt

[Timberland]

When we bought our house in 2000 we had TERRIBLE credit. We finally got approved, but had to put 10% down. I had called one of the mortgage companies in the phone book that said bad credit ok...just make sure you check out and make sure the company is trust worthy....GOOD LUCK!!