i have 30 % to put down but cant find a lender who will loan with bad credit and such a low loan amount, not even hardmoney lenders. i have been on the job for 2 yrs. active duty military. does anyone know of any lenders who will loan under these circumstances?

Bro do you watch the news. Seems a sub prime lending mess going on that has led to a tight loan standards.
They cant get backing for your loan. You need to rent.
You should not buy a house without at least 10,000 dollars emergency fund. That would be on top of your down payment.

There is no such thing as credit that bad. A 30 year loan for $30,000 at 10% would have payments of $263/month. you can't rent a studio apartment for that. At MINIMUM wage it is less than 25% of your income. Unless you have filed bankruptcy in the last too years, your facts CAN'T be accurate.

Don't lose hope if you're looking to buy a home. There are so many different ways to fund a home now, just about anyone with any kind of credit can get into a home, regardless of credit situation.

Of course, some will cost you more money in the long run, but a home it's still one of the best investments that you can make, so, in many cases, it's worth it, especially for the first year of ownership.

You should shop around, and ask different lenders what kind of programs they have, and if they can help. Try to find a lender that specializes in bad credit mortgages. You can find some bad credit mortgage lenders listed on this page on and off:

http://www.axalda.info/bad-credit-mortgage.html

I would try eloan they have hundreds of lenders competing for customers. You would have better chance with them then walking into a local bank.

Yes my cousin Veto. Give me your address, and I'll send him right over.... Oh and don't mind the other guys with him, like my cousin always says....It's Just Business....