Right now, I'm more surprised at teh loans I see going thru than the one's I see getting rejected. Nick is correct that if you're willing to put 25% down, there's tons of "No Income Verification" mortgages out there. Of course, it depends on exacpt how bad your credit is, and what specifically you did to wreck it.
Where is the property located? A lot of states have specific programs for first time home buyers (like SONYMAE in NY).
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