RatMan2, not to sound like an ass or anything, but well i worked with banks alot before, and the one thing that is great about the USA is something called Credit, our credit system is AWSOME if you know about it and know how to use it.... banks dont always go about how much money you have, they go about what credit you have and if you earn enough to pay off your loan, if you have good credit it means youve been good at paying off other loans so they trust you.... just like if a person on the street came up to you and asked you to borrow money, without KNOWING youll get your money back you wont give it to them.... its a way of security, otherwise EVERYONE will just say theyre gonna start something and give the bank a good idea, get some money, and never pay them off..... this causes bank trouble.

Go get a book about credit and learn how to make your credit work for you.