Major Problem with housing - I feel like a complete failure?

That judgement would have prevented buying as well, so you really are not in a different position then before.

It sounds like you need to get off the damn couch and get a job. With 2 incomes things will be twice as easy.

The thing that make people successful is not the fact that they fall down, it is the fact that they get back up no matter how many times they fall down.

You ran into a little bump in the road, big deal, everyone have these up and down periods. You must now find away to get around that bump and make it a small bump as oppose to a giant hill.

I see that a small portion of the bump has been removed as your husband has now found another job.

If a mobile home is your desire then by all means go for what you want and desire, however, from reading your comments, you would be settling for a mobile home, this is not gonna make you happy over the long run.Owing a mobile home might set you back as it would become a debt on your credit report and could lower your debt ratio and prevent you from achieving your goal of owing a home as oppose to a mobile home.

You might would want to apply for a FHA mortgage loan. The requirements are not as stringent as those of a conventional mortgage loan and there are programs that require a down payment as low as 3.5%. The down payment might be borrowed from friends, relatives, or a charity organization. Your credit score might be a hindrance, however, most lenders and loan officers would have knowledge of a credit repair company that might be able to assist you in raising your score at a faster pace or have the knowledge to remove negative credit at a faster pace.

Normally using a credit repair service would cost, however, you would have a good recommendation of someone that have used the services of this company before.

Frustration is a part of the home purchase process, remember that others have gone through this process and have survived, you would have to manage to control it and go about doing things that are positive and not dwell on the negative.

I hope this has been of some benefit to you, good luck.

"FIGHT ON"

Having been through what you are now going through, here's what I'd suggest:

I

1. f possible, move in with in-laws or other family members. (Not desirable but if you're out of options and money, it beats all the other options. Also, if any of your relatives live in/near cities where more opportunity and better paying jobs exist, that provides you with another reason.)

2. You should start a blog or website or some sort of stay at home income-producing company. Do what you love, online.

3. If you want to buy a house, you must not only fix the credit scores but also save for a down payment. Easier to do when living with family.

4. If all else fails when you apply to rent homes, speak with your church members and leaders and they will/should be able to help.

Edited answer:

Keep renting. If you run into problems renting a place, offer a landlord 6 months rent upfront. I suspect you have cash saved up, since you will need a down payment for a mortgage. Live rent free for 6 months and keep saving for a bigger down payment on a home you love

It is a score of 680 minimum and 2 yrs full employment.

You need someone with great credit to cosign your rental lease and guarantee your rent and damages.