As much as you want to buy a home, if you can not afford to buy, it's not the end of the world. You may need to build up a bit more credit. The reason many people are in mortgage problems now is that they could not qualify for those loans and the guidelines where not strict as they are now. So if a lender or two tell you that you don't qualify, it is in your best interest to wait so you won't be facing the same situation again.
All the best to you.