a real place for loans for real bad credit?

i have been trying to get a personal loan and a mortgage and no place absolutely no place will give me one now i know there are people out there who has worse credit than me and i can’t get a second chance please don’t suggest payday loans prosper american general or citifinancial they all advertise for bad credit but you still get turned down

i have been trying to get approved for a mortgage but with a low fico and no downpayment,its no happening. so i figured i would find a house w an option to buy which would give me and my familly time to clean up credit and still be in our own house. what do you think?

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