Good afternoon, Kyeshiad:
Here are also 10 tips for improving credit here: http://www.trulia.com/blog/dfisher/2011/08/ten_tips_for_repairing_your_credit_history_raising_score . I also suggest that you review the Trulia Blog "I have bad credit and no savings. Can I get a home or am I stuck renting?" (link below) If you meet this criteria, you can often get a loan. There are also several options for special financing and first time home buyer down payment assistance programs. Depending on your circumstances, you may be able to purchase sooner than you think. A brief phone conversation would fairly quickly get to the bottom of things and give you the direction you need. If you appreciate an answer, please give thumbs up. For the most helpful answer, please say thanks with a best answer click.