Yes it is possible.
I worked exclusively with home buyers for 34 years and I have seen hundreds of situations when the people gathered information, established what needed to be accomplished, set a time line and accomplished their goal much sooner than anyone predicted.
One issue that continually occurred was when people consulted an experienced loan officer about their credit and found the credit was better then they thought. Many silly little things like the reporting agencies not dropping off a negative when they should have or the agency could not properly support an issue and so had to remove it.
Once you are sure what the credit is and if it is not good enough the loan officer can help you establish a plan that will improve the credit and often predict when that will be so you are able to start the search and purchase process sooner.
A couple of articles that will serve you well on Your Road Home.com. Article #5 and #5A about credit and #16 Consultation Interviewing Loan Officers. You also find the supporting articles helpful. The articles are numbered and if you read them in the numbered order you will become one savvy home buyer. So gather up all of the objective information you can find.
Trulia is also a good source of information and when you are ready to interview loan officers and real estate agents you will find them from your area offering their services on Trulia.
Best of Luck, Stephen Webber Retired After 34 Years of Real Estate For First Time Home Buyers... more