You Have Damaged Credit, Can You Buy A Home?    
Of course!  You'll be glad to learn that you actually can buy a home with damaged credit.  In fact, it's quite common.  To do so often requires a flexible seller who is willing to help finance part of your purchase price.  You see, there are a lot of lenders who specialize in financing homes for folks with credit problems.  To reduce their risk, they may simply reduce the amount they loan.  This means the buyer must have a big down payment or the seller must be willing to finance the difference on a second mortgage.  Getting you a loan is generally not a problem, however finding a flexible seller who doesn't need all their cash immediately, may be more difficult.   
 
Just How Much Home Can You Afford?   
You may be surprised to learn how much of a home you can afford.  Generally accepted standards say that your new house payment added to all your other monthly payments, should not exceed about 40% of your gross (that's before income tax) for you and your spouse.  Keep in mind that does not include items like insurance, clothing, food, utilities, entertainment, etc.  You should add only those items with fixed payments such as cars, furniture, credit cards, mortgage, student loans, etc..  If an item doesn't show on your credit report, it probably won't count against you as a debt.    

If You Can't Easily Verify Your Income, What Options Are Available?   
If you feel you can't buy a home, because you can't verify your income, think again.  Some of our clients’ felt the same before contacting us, but they found themselves in the home of their dreams within 30 days.  There are several little known ways to verify income and many investors/sellers/landlords that don't require it.  In fact income verification is one of the easiest problems to fix in the home buying process.    

If You Have Nothing To Put Down, Can You Really Get Financed?  
It may surprise you to know we've helped other folks buy a home of their dreams with little or no money down.  Conventional wisdom says it can't be done but conventional wisdom is almost always wrong.  Frankly if you have no money and very bad credit, there's nothing we can do for you.  However if your credit in a reasonably good, and you have provable income, we have several programs available for you now.  These programs are brand new and not widely known and are designed to help good folks buy a home with little or no money.