I am currently pre-qualified for a $50,000.00 loan for a home, which I can tell you ain't much around here, and am spending every waking hour looking for homes, mobile homes on decent-size lots, foreclosure properties, etc. that I might be able to afford. I have a friend in real estate and she is helping me a lot, too, but so far we have found nothing that fits my needs... and I find I will have to come up with about three grand for closing costs, etc. which I can't imagine how I am going to do on eight bucks (six after taxes) per hour salary. There are lots of ads offering no down payment loans even for those with poor credit (mine is just fair two years after bankruptcy), but my friend has advised me these are mostly scams that screw people after they've signed on the dotted line. There are web sites such as Lending Tree which offer to collate offers from various banks ("When banks compete, you win.") But I am wary about giving out all of my personal information. Has anyone had a good (or bad) experience with a web-based or classified ad-based mortgage loan and, if so, with whom? Thanks for any help and advice.