Shirley, Shirley, Shirley,
You are all over the board here on Trulia. You are considering continining to rent, then again u feeel like u mght be realdy to buy if the price is right.
It appears to me that you may be only of the many who got caught up in today's market and had to realease their home possibly "short sale", then rent. Although your rental rate history is admirable, if the credit scores aren't in sync, it doesn't make a difference.
Frankly, you'd be better served having a one-on-one conversation with a Realtor, THEN a mortgage professional. The mortgage Pro is going to be the ONE to tell you how far u are from purchasing.
As discussed in my direct email, please call me @ 732.606.2931 for a personal, no obligation consultation.
Francesca Patrizio, Broker Sales Associates, ePro, SRES