My husband has two charge-offs and two accounts that have a couple of over 30 days. He also has two small accounts in good standing and a couple of paid accounts in good standing. My credit report is much worse, which in turn brings our total score way down! The only offers made to us by mortgage companies are 11% interest rate and 25% down. This is nearly impossible for us! We pay $700 a month in rent plus have two kids and a car payment and regular living expenses. You know - sort of a week to week lifestyle. We do have money in savings, but not nearly enough to put 20-25K down on a home! Can my husband apply for a mortgage on his own? Anyone out there have experience with a mortgage company that isn't so stringent? 25% down is just way too much for us. We will never get a home. It seems these mortgage companies don't really care that we have impeccable rental history and my husband's salary is sufficient to buy a home. I am self-employed, so I don't even count and actually hurt rather than help in applying for a mortgage. We just thought that if he applied by himself we might get better results. Sorry so lengthy, but I needed to give history so that I could get accurate responses.