Much of the info in the comments below is helpful to you........long term. Some of it is rather "alarmist" in nature and not helpful for you.
Advice to you about Real Estate should come from someone who is a licensed Real Estate Agent in Iowa.
The information that you emailed me gives me more insight into your situation than what you provided here and there may be a quicker solution to you.
Later today, I will call your cell as you have requested.
NMLS # 6395
Financing Kentucky One Home at a Time.
Paying on time is critical to improving your credit scores, so good job on that. The next step is paying down your balances. As cards & loans are at or near their limit, your available credit is used up and that lowers your scores. I would focus on paying your balances down to 1/3 of their limit and then focus on the next loan and do the same thing until your scores go up or you pay everything off.
Better scores will improve the rate you may get as well as improve your chances of approval. Paying down your debt will also free up money that can be used to qualify for a more expensive home.
Don't overbuy, but get a home you can stay in for a few years, the longer it works for you the better.
Cindy Schlee, Realtor
Grand Rapids MI