Don't be scared. Just know that no matter what information you find out, you can work to repair it. If you are in great shape then buying a home soon will be easier. If you have dings, or score issues a great agent can give you advice to make those go away faster. The best thing to do is locate a great mortgage person and talk to them.
I know of one such great agent. Her name is Pam Wirth and her email is Pam.Wirth@teamchfa.org
You can email your questions about credit, scoring and other home loan alternatives and she will be more than happy to answer them. She is very nice, super helpful and a no pressure lady.
Please feel free to email me as well if you would like at THOYT@prutropical.com. There are many programs to help people into homeownership so don't sell yourself short. Learning all the facts makes you a smart consumer.
Good Luck and give Pam a try. No pressure, just help.
Prudential Tropical Realty