You will have a very hard time right now because of the current credit crunch in the U.S. they are only lending to very low risk applicants. That is if you are in the U.S. Canada has plenty of lenders.

The first answerer is right in that banks and such like are not taking “risks” with loans now.

Therefore in order to stand a chance make a plan of your incomings vs your outgoings so you have an idea of how much you could pay as a monthly outgoing to a mortgage per month and then go and discuss with a proper advisor who can give you the options and tell you how much they can loan and what kind of loans if any are open to you

Also take care for scammers on Y!A who actively seek out questions like yours and then offer loans

Here are some tips for determining whether a loan is legitimate or a scam:
1) They don’t use a free email address (yahoo, gmail, hotmail, etc)
2) They have a secure website you can go to to fill out their application (and no excuses about it being down at the moment)
3) They don’t require ANY fees upfront (regardless of whatever excuse they use). Any fees will come out of proceeds of the loan (scammers want their fees via Western Union or Moneygram)
4) They have a REAL address (check it in the yellow pages) you can send mail to
5) They have a REAL phone number, not a cell phone

Often if you click on their profile you will find it is created in the last 24 hours – why? Because they are reported, profile closed down, but they simply create a new profile and start up again

Save yourself another headache and avoid them like the plague. The one from H E (Richard Banks) above my post is a prime example of what I mean…. do not go anywhere near it.