This section is devoted to people like you and me, individuals who either own a home, or an individual who is looking to buy a home. in these troubled financial times, when individuals with perfect credit are having a hard time to obtain financing. We need to find a way, and find things that work that we can do to help us to get approved for the perfect home loan. It can be something as simple as getting a free copy of our credit report, and to clean up credit trade-line accounts that are old and are paid off that just don’t belong there. It can also be as simple as making sure that all of our earned income is shown on our taxes so that we can qualify for a nice home loan. As we know, or are as we are learning those days of no income check stated home loans are a thing of the past.