What is a good Mortgage company that will help people with REALLY BAD credit.?

I am a stay at home mom, and my husband just recieved a good raise and is currently making 30,000 a year. But our credit is really bad from hospital bills and one eviction. No credit cards, bankrupceys, forclosers, or repos on our credit, but no one wants to give us a chance. We are out of room in our appartment and we really need a house. Someone please tell us who would help us in the state of Indiana.

Public Comments

1. You should go to private mortgage brokers in your community, they will fix your credit and do your loan but the interest or points are going to be high. Do not go to lenders and bankers directly.
2. contact the Fanny Mae Foundation www.fannymaefoundation.com It's an organization thru the government that assists people to qualify for home loans. I wish u and your family the best
3. i work for mortgage co. i can see if we do biz in IN. there is so much to cover here, if you like you can email questions, you don't want to get to personal on this sight. whatever you do DON"T do any kind of credit counseling, it's just as bad as bankruptcy..
4. There may be something of use here.
5. <http://www.nohasslebargains.com/loan/financing.html>
6. try government financing
7. If you do not have any other mortagages or properties in your name, try http://www.naca.com NACA is a nationwide program that helps people fulfill their dreams of home ownership by helping you to organize your finances. They offer you an interest rate at 1% lower than the current national average and all loans are through Bank of America. So if the national avergae interest rate is 6.74%, you will only pay 5.74% for your loan. There is no down payment requirement. You are, however, required to go through a number of financial and debt counseling sessions. NACA's goal is to eliminate the predatory practices of other loan companies that prey upon people who have had financial problems in the past. And NACA can be utilized by anyone, not just those with bad credit. If this interests you, check out them online at http://www.naca.com for full details.