<prompt> Human: My husband and I are from southern California and we have our eyes on this house for sale for 200,000. However our credit is bad. I got put into a position where I have around 20,000 debt from credit cards and student loans, he has never owned a credit card. Our work history has been inconsistent, and on top of everything we have a second baby on the way. Our in laws are trying to help as Co signers. He is currently working but, his hours are irregular. What are our options. Weve heard of grants that can help us but due to our credit they told us it would be hard to go around it. We checked with our bank and to obtain a mortgage we have to prove that we can at least 25,000 in our bank account for 3 months and 4,000 in our savings. Do we really have no chance?  <response>: You have bad credit, inconsistent work, and a decent amount of debt. Does this really seem like a good idea? 