IF you have some money saved go to a bank. Get a secured loan. Basically you pay the bank to borrow your own money. You can have it automatic withdrawal and put the interest (and an extra $20 to be safe) to be paid in the same account as the money you locked up to get the loan.
The timely payments, the added credit use will help if you need it. Yes, it costs you some money. But you can gain credit this way. Your loan could be 3 months, 6 months, or longer. Ask the bankers what length and dollar amount of loan (for what time frames) you might need to improve your credit this way.
If you have credit cards ( not debit card) use it. Put some gas, groceries, something you would NEED anyway on your credit card every month. Pay it off early every month. pay it ALL off, never carry a balance. That helps a fico score also.
Be sure you have a decent down payment for the house also.
Remember, the purchase price of a house is not what it costs to live in. You have electricity, heat, water, insurance and taxes.
THEN you have the "uh-oh's" The roof leaks, the furnace breaks, the steps break. Your refrigerator dies or many other things. Just be prepared for whatever repairs you will have to face financially. Speaking of the uh-oh factor, expect taxes and insurance to increase every year. Perhaps by a lot.
For more information on the tax credit go to: http://www.tinyurl.com/fedtaxcredit
If you need a referral to an agent....I can assist you.
The information I could find online was regarding the 2009 Tax Credit that you would have had to purchase and close a home by July 1 2009 to qualify for.
I heard they extended this Tax Credit, but I don't have the information on hand.
Do a search for the extended first time home buyer tax credit and see what information you can find.
Best of luck to you!
When you are shopping around for a loan program, check into the Rural Development (RD) loan program. It is similar to the FHA loan program, but has several different requirements. If you have questions I know of several loan officers who deal primarily with Rural Loan programs.
Best of luck with your home search.
If so, do you have an income which will qualify for a loan?
I would recommend you go under the find a pro feature of trulia and find a mortgage professional to work with to see if you do qualify and if so for what amount. They will also be able to discuss some grants that you might qualify for.