A lot of people dont like to hear this, but to be honest I would recommend continuing to rent for another 6 months or a year, save up 3.5% for a down payment (to go FHA), and pay everything on time to raise your credit scores. If you dont already have a credit card you can use and pay off in full every month, then I would recommend getting a cosigner to help you get a credit card, OR get someone to just add you to their credit card but just dont give you an actual card, so they dont do anything differently but them paying it off helps your credit score. Another good way to raise your credit is to take out small loans from a bank payable back over a year. What I did was take out 3 $1000 loans, I put all that money in a separate bank account that gains a little interest, and then just had the bank auto draft the payments out of those accounts. It ends up costing you a few hundred bucks in interest, but really helps your scores. Then once you have enough money and better scores, give me a call and we'll get you preapproved for a great home!