text: i want to buy my first home...will banks laugh in my face....? i have ok credit and my husband has not good credit. i don't know how much we can afford even, and i'm scared that if i go to a bank they will say they can't help me because we don't have set incomes, it varies from week to week. is this a common problem? are there banks willing to help people like us?   please help!!!! i work at a mortgage bank and yes, credit score is a large factor when lenders determine if they will approve a loan. you can also find a good mortgage brokers near you. they act as agents and work with a variety of lenders to help you find the best program that works for you. there are mortgage programs designed for self employed people or commission based people. its not that uncommon and the whole experience should not be scary for you.  no one will laugh in your face, but they will be honest with you and let you know if they can help or not.