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A good idea would be to start with your credit. If you have non-existent credit, you can apply for (and receive) credit cards that will build up your credit score. These credit card companies report to major credit bureaus that you've been paying your credit card bills each month.
During this time, you can look for funding programs that would be willing to listen to your situation. They want to help you obtain funding to purchase that new home you want.
Such funding programs like to work with seller exclusively, (For Sale By Owner). No bank red tape or real estate agents to turn you down for financing. It's just you, funders, and seller.
There are programs out there that can help you, but you must be very careful when choosing one for you and your family. Look for programs that are legal in all 50 states, qualified professionals in their field, and will offer you one-on-one consultations.
In conclusion, you and your family can still receive American Dream. Just taking these steps outlined above can get you there quicker than you ever thought possible.
David M. Rolle' is a Funding Program Franchise Owner. He is on a personal mission to help provide financing for those who can't obtain it through the banking system. For information on funding and to claim your free special reports, visit this site now. http://www.inyourhometoday.com - http://www.inyourhometoday.com.