I agree with Debbie. Make an appointment with a credit adviser (contact a trusted real estate agency in your area) for a recommendation. They can help you increase your credit score. For instance when it comes to paying off and closing revolving credit card accounts you need direction as it really is a science and those of us not in that business can easily make wrong decisions that will send your score the other way again. After 6 mo...a year...or more...you will meet with a lender and go through the process of obtaining a pre-approval letter. Now you are in a strong position when you make an offer with your pre-approval letter in hand. Your buyer agent will write the offer up with you and within the body of the purchase agreement make sure they write "pre-approval letter attached". If they do not use that lingo, then the listing agent may not convey to his/her seller that you have the pre-app and you will be a "weaker" buyer.