does anyone know of a loan company?

If your identity was stolen and these bills are not yours, do not pay on them. File a police report, report it to the credit bureaus and report it to the lenders that you identity was stolen. I am not sure I understand what would compel you to pay bills that were not yours and were made fraudulently. What other bills do you have if you have no credit cards and no car payments? There are very few companies anywhere that are going to lend only on income and not credit. If they are not lending on credit then they are most likely going to require some collateral. Try Beneficial and/or Household Bank. If those do not work you can look into filing for Chapter 7 or Chapter 13 Bankruptcy if you are having a hard time paying these debts off. You can also try a credit counseling service to consolidate everything and help you to create a payment plan to help you pay everything off sooner. Be cautious of working with a counseling program as many of these are scams. If you have anything, or a few items of some serious value you could also consider going to a pawn shop and selling your stuff to them. You can make an agreement that you will buy the stuff back from them within a certain amount of time and they will simply hold your collateral, lend you the money and you will pay it back with interest.

There is a great place to go with this. I was in a very similar situation.

This is getting help from real people without the use of banks or credit card companies. Good Luck!

http://www.prosper.com/join/lzc5wh

If you are serious about getting a home loan try www.restructureyourmortgage.com they should have you approved in 24 hours. Best of luck.