How To Get A Loan For A House

How can I redo my house loan with bad credit?
I am IN-HOUSE through my bank at 7.55% interest rate – My wife and my credit has been ruined because of the economy and not having any work. My work has started to pick up a lot. Is there ANYONE who will approve a new home load with bad credit for people who have had their credit hurt? The IN-HOUSE interest rate really stinks and I was only allowed to get a 20 year loan (that’s the max loan term the bank would give), so my payments are very high. Any help would be much appreciated.
Don’t try to do this online – you will get scammed and regret it.
Stay away from anything with the word VARIABLE or fixed for only a few years like 5/5 loans.
Interest rates are about to go up, up and away.
Try other local banks and also credit unions.
Stay away from the big national banks for these kind of loans.
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