There are "deal killers" that make it impossible for me to find you a loan. They are just common sense. You need to be able to prove you can repay the loan, that you have some credit history, that your new home won't instantly become the property of someone you owe money to, and you can pay the closing costs you are required by law to pay.

If you can answer "yes" to the following questions, you should fill out the online application.

1) Can you prove your household income is greater than $3,000 a month?

2) Is your credit score above 500?

3) Are you free of any legal hassles? (Has your bankruptcy discharged? Is your divorce final? Can you tell a lender you are not currently involved in a lawsuit?)

4) Can you come up with $1,500 to $2,000 in closing costs?

If you answered "yes" to all the above questions, you should apply now and get started towards owning your own home.