I send all my clients to Mary Kay Laurent with Guaranteed Rate at 773-516-6859. It is no cost o you and even if she cannot do anything for you today she will tell you exactly what you need to do and set goals with you for you to be able to purchase your new home.
As already stated you need to speak with a lender first. They can determine what your credit score is and identify any issues with your credit as well as advise you on how to repair it.
Contact Matt Bukovy, Wintrust Mortgage, firstname.lastname@example.org. Let him know I referred you.