My husband and I are tired of renting, it never goes toward anything. Plus no one will take us a lot b/c of our bad credit. Would it be smart o buy a home and if so what kind of mortgage are we looking at and APR? We need help, we just want a place to call our own?

what kind of mortgage are we looking at and APR?, well
I found interesting information about your answer & the best options here.
http://all-mortgage-calculators.blogspot.com/2007/07/mortgage-loans.html
Good luck!

what kind of mortgage are we looking at and APR?, well
I found interesting information about your answer & the best options here.
http://all-mortgage-calculators.blogspot.com/2007/07/mortgage-loans.html
Good luck!

You are just setting yourself up for foreclosure. You have no money and you have no credit because you don't pay your bill on time or at all. So you will be in the sub-prime market. With high intrest and most likley an ARM, PMI and high payments. Save some money and pay off the judgements you have on your credit report. Buy what you need not what you want. Poor credit comes with a price and it's a high price on everthing you want. They give the good loans to people with good credit. You are a high risk to go into defalt.

You are just setting yourself up for foreclosure. You have no money and you have no credit because you don't pay your bill on time or at all. So you will be in the sub-prime market. With high intrest and most likley an ARM, PMI and high payments. Save some money and pay off the judgements you have on your credit report. Buy what you need not what you want. Poor credit comes with a price and it's a high price on everthing you want. They give the good loans to people with good credit. You are a high risk to go into defalt.

Try http://www.ccjhelp.co.uk/
They offer advise and no obligation quotes for people with bad credit history.