Is it possible for me to get a loan?Hi there,My husband and I have been renting a house for the last 3 years from my dad. We have been making the mortgage payments of $1100/month. The house was recently appraised for $180K, and we could put down about $40K (slightly over 20%).Thing is - neither one of us have much credit, and the credit we do have is not great. However, any debt we have ever incurred has been from only student loans, and medical bills - no credit card debt.We would like to try and get a mortgage to buy a house, but we are afraid of the banks laughing at us. We both have steady jobs, and make a decent income...and we can obviously pay the mortgage payments, but we are scared, and arn't sure where to start.Do you think it's even worth trying?August 14 2013 - Louisville00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.