Hello Joyce, I recommend that you find out what your credit score is. It might not be as bad as you think. However, if it is below 620, you should contact a reputable credit counseling organization, such as Advantage CCCS (http://www.advantageccs.org
). They will help you correct your credit situation. When you buy a house, you want to be able to make the payments, pay the taxes, and afford the maintenance. I wouldn't advise rushing into a home purchase, if you are having other financial problems. Another option to consider is rent-to-own, especially if you are paying your rent payments on time. Try estates, for-sale-by-owner, or homes that have been on the market a long time.