As there are many factors to consider in obtaining a mortgage loan, the best thing to do, as you have been so advised by others here, is to contact a local, reputable mortgage lender who can gather the needed information and talk with you about your options. A really good one will stick with you to provide information and guidance if you need to clean up your credit report as well to get you on the road to purchasing a home. David Johnston, who represents SunTrust as well as other lenders, would be happy to assist you. He can be reached at 804-565-3608. He's great about providing current guidance as well as for going forward with your particular goals. Let me know how it goes.