Answer: Unless your credit is absolutely abysmal - with all kinds of judgments, liens, excessive delinquencies or non-payments, foreclosures and bankruptcies that show no attempt on your part to make progress - you can generally get a loan. More and more borrowers are finding ways to become homeowners despite past credit problems, a lack of a credit history, or debt-to-income ratios that exceed traditional limits. This is because a greater number of lenders are willing to take a chance with borrowers today that they once turned down for home loans. If you are denied a mortgage, ask the lender for a full explanation. If you feel you are creditworthy, then appeal the decision in writing.
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