Dan & I would love to help you become a home owner.
The best advice I can say is marry rich! LOL. No, you want real advice. OK. Do you know what your credit score is? have you looked at your credit reports from all three credit bureaus? If not, you need to. You "might" be surprised what you find on your report. I had a lady, find a data from a MAN, on her report, he had a "similar" name, and when mis-typed his bad bank account that was closed landed on her report. The mistake or typo was from a $8/hr temp person who types this stuff into data basis...that error removed from her report improved the score by 50 points!!
Also, is now the BEST TIME TO BUY? I don't want to be negative nancy but rushing it now might not be the best solution.
Actually I just wrote a blog about the "best time to buy" a link to that is
Also, here is a link to "buying the home of your dreams"
Hopefully that helps