I don’t have perfect credit, neither does my husband but we are diligently paying off our bills one by one. I have been looking into loans for people with bad credit and of course they are all over the place promising a future for our family. Then I fillout the Application and whammy I’m hit with an appology notice from yet another lender. I never believed for a moment that I would never own a home, I’m not even trying to get an expensive one. I have two boys, one five, one three, a 4 1/2 month old baby girl and I am due in December. I am begining to feel hopeless and beyond frustrated, I don’t want our kids growing up in apartments their whole lives, I’d like them to have their own yard someday. There are a lot of “Bad Credit” loans promising to help but they never really mean it – what gives? Can anyone help?