First, stop yelling. We can hear you just fine if you use lower case. Second, don’t tell anyone how many children you have, because there are disposable income requirements for loans that having 7 kids will really screw up. Third, if you have a low 500s score, get used to the idea of having a down payment of at least 5%, which will probably go up soon given Fannie’s changing guidelines lately, and having MI on the loan, because the only way you’ll get a mortgage with that kind of score is to either go conforming, or make a deal with the subprime Devil.

Don’t lose hope if you’re looking to buy a home. There are so many different ways to fund a home now, just about anyone with any kind of credit can get into a home, regardless of credit situation.

Of course, some will cost you more money in the long run, but a home it’s still one of the best investments that you can make, so, in many cases, it’s worth it, especially for the first year of ownership.

You should shop around, and ask different lenders what kind of programs they have, and if they can help. Try to find a lender that specializes in bad credit mortgages. You can find some bad credit mortgage lenders listed on this page on and off:

http://www.axalda.info/bad-credit-mortgage.html