You mentioned Florida. Do you need a referral to a Realtor in the Sunshine state? Let me know.
What you need to do is get with a lender who will work with you and guide you. You need to first understand why your credit is where it is and if it is still getting worse or stagnant. You need to make sure you are moving your credit in the right direction. I have given tips in previous answers telling that you can set up secured credit cards or installment loans to help rebuild your credit scores.
It's time to work on that with somebody who will take the time so you can get your credit to a 640 or higher. Once you can actually get the same rate as somebody with a credit score that is 100 points higher. So take the time to get your credit moving in the right direction and then you can buy that house if everything else is in order. Right now you need to find somebody to work with you over the next 6 to 12 months to get you where you need to be.
Best of luck to you.
REALTORÂ® | Mortgage Broker
Austin Listed | 360 Lending Group
o 512.669.5599 m 512.633.4157
firstname.lastname@example.org | http://www.AustinListed.com