Why is it so hard to get a loan?

why is it so hard to get a loan when you have low credit score below 500!!! It shouldnt be that hard, I mean there are people out there that really want to help there credit and getting a loan and consolidating everything is the only option yet no one wants to give a loan so they can try to get there life back in order and not lose there house!!!!!! has anyone out there had any luck with any companys that will work with low scores and help homeowners.. please let me know thanks