Don't buy out of your reach. If you make $30,000 a year you shouldn't be buying a $200,000 house or a $40,000 car. The lenders might approve you for it, but that doesn't mean that you can afford it.
If you can't afford to save at least $50.00-$100.00 per pay period to designate towards an emergency savings, you probably can't afford to buy a house.
If you decide that you want to try to get a loan with less than perfect credit, then the Badcreditloanshop.com is one company that can help you find the loan that is right for you. They will basically shop rates for those companies who would approve you and then you get to choose the one that you want to go with.
Be sure to check out the Important Announcements section of my blog for the latest contest announcements.
If you like this post then please consider subscribing to my full RSS feed.