Beverly gave you a good answer. The others directing you to a website are scammers, stay away from them. The short story is that if you don't have sterling credit, you're not going to get a loan. If this was three years ago, you would have been approved for a sub-prime mortgage with an adjustable rate. After a year, your rate would have gone up, your monthly payments skyrocketed, and you would now be in foreclosure, as has happened millions of times, causing the housing industry to collapse, and the economy to go down the drain. Luckily, you missed that, and the only answer now is to clean up your credit, and go on from there.