Try Countrywide. They have another branch that assist you in your quest for home loans.

If you have a credit union account, you can try to get a loan through there. The only bad part about that is it will not help your credit as they don’t report to credit agencies.

My problem with the words ” we have bad credit” is usually these are couples or singles that went to the bank down the street and asked for a loan. Try a mortgage broker is your area since they have lenders that deal with subprime clients. Also find a person that will read your credit report and tell you how to fix it. If it takes a year to fix a couple of problems than sometimes its worth it all for homeownership. Good luck!

What do you consider to be “really bad credit”. ? Have you gotten and reviewed all three of your credit reports and FICO scores?

I would suggest working with a Mortgage Planner to help and advise you on the best way to improve your credit, and shop your needs and situation around to many different lenders.

Mortgage planners have access to hundreds of lenders and have extensive experience in showing your situation in the best light possible.

American General Finance has been really good w/ us

A brokerage that deals with a large number of subprime lenders.

Here’s a Ken Harney article

http://www.washingtonpost.com/wp-dyn/articles/A56147-2005Apr15.html

Here’s an article I wrote based upon it

http://www.searchlightcrusade.net/posts/1135958961.shtml