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If your credit is less than perfect, you may have to check out "bad credit lenders." These are banks and other institutions that specialize in finding loans for almost anyone. The interest rates are higher, of course, but you can refinance for a better rate when your credit rating improves.
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Where do you find bad credit lenders? Try search engines, or ask a real estate agent. Finding financing these days is usually as easy as answering the phone or looking through your junk mail.
You should have all the necessary information ready before you start the application - social security number, wage information, amount you need to borrow, numbers and balances of your credit cards, etc. You might want to check you credit report, to see if there are things that can be corrected.
You may also want to see the the page Bad Credit Mortgage Loans for more on how to prepare before applying. It may seem like bad credit lenders are taking advantage of your credit problems, but they are just weighing the risks and charging more interest to compensate. You have, after all, shown that you have had some problems paying things on time, or you wouldn't have bad credit. Get the best terms you can get for now, and remember that when your credit improves, you can get a better loan.
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No Income Doesn't Equal
Bad Credit
Don't think that because you have limited income or you have a new job that it's the same as a bad credit report or score. If you have a new business, for example, most banks won't even look at the income from it, but they will look at your credit score. If you have a high credit score you can get "no doc loans," which require no documentation of income.
Even if you don't have a job you can get these loans. Here in Tucson, as of February 2006, I can get up to 95% financing without even a job. Of course, the interest rate is about 2% higher than conventional loans. These are done by most regular banks here, not just through bad credit lenders.