If you meet the criteria in the Trulia Real Estate blog "I have bad credit and no savings. Can I get a home or am I stuck renting?" Then you can probably qualify for a mortgage. I have a contact at B of A Home Loans if you contact me through profile. If you appreciate an answer, please give thumbs up. For the most helpful answer, please say thanks with a best answer click.
Make those steps and be credit ready before you consult with Realtors.