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I'm doing research online and getting very discouraged. DH and I would like to buy a house end of Nov, beginning of Dec, but I am self-employed (single income family) and will not have two years of tax returns. The properties I am looking at are $50k or less and I have a 20% down payment, but it looks like my being self-employed means no loan. I guess we'll have to wait until next year I have no idea how we're going to have 4 kids in this house.
I agree to check with a realtor. Also sometimes here people do Land Contracts for homes if they can't get the total financing for the house they are looking for. I'll keep my fingers crossed that they can help you out.