My name is Liz Caplan and I'm an experienced Realtor in Pittsburgh. I suggest you speak with one of my mortgage brokers to discuss your financing options. If you don't qualify for a loan now our lender can suggest some strategies for you improve your credit over the next few months. Here is a link to my website where you can fill out an inquiry for further assistance, http://www.pittsburghhomesite.com/contact-us and I can connect with one of our mortgage experts. I'll look forward to hearing from you!