Hard money owner occupied first home

[Pierre Cormier]

I'm new here so forgive me if I don't seem to have it all together. I have found a few nice properties in my area that would be perfect for my family to upgrade to from our horrible little rental. Our biggest problems are that my credit is in the toilet and my wife hasn't yet established her's. We aren't trying to buy a farm on the lake just a small three bed for our family for cheap. Our numbers show that we can afford a $35,000 home with a 15 year mortgage even with 10% interest. We are not sure where to look for funding for our home but we already know that a bank won't touch us with a 10' pole. Anyone have some suggestions? We were also considering doing once yearly payments of $4,500 or so when we got our tax refunds back instead of monthly payments or monthly payments plus $2-2,500 at tax time.