If your credit is still not good enough, talk to family and friends and see if you can find someone with a good credit rating to cosign your e-mortgage with you.

I have a confession to make: I'm a supercilious devil. I get a lot of emails from people enquiring about item I know are wasting my time. They've been to two dozen web sites, sent each one a one-line email saying "Help me give it to me NOW", sometimes adding "for free!". When you do give a (considered) reply, you hear nothing back. The best ones are the out-and-out leeches. They'll call you up, asking detailed questions, say thanks very much, then take their product-related business(?) elsewhere (if they can bear to lever open their wallets at all). I used to wonder why product sellers were sometimes so abrupt. No more. They have sales quotas, and after 1000 calls, the rep. gets to know a hot prospect, or a time-waster very quickly.