Self Employed and need a mortgage.?

why dont you pick up a second job to raise your income?? lenders are not lending to just anyone right now.. raise your income to get a down payment together.. .you say that you have a family, have your spouse get a second job to raise your income... no one should have to "GIVE YOU MONEY" you have to work for it... i wouldnt lend you money if you only make 50k per year and only have 20k to spend.. get a smaller house for a while so you dont need such a large loan.. I am on the banks side and you dont want a co-signer and you dont need to put anyone in that position...