You are picking a great time to look at purchasing a home - FICO scores are very important, your first step is speaking with a Lender.
By conversing with a lender, you'll determine the following:
1. Your Loan FICO
2. Your Credit Issues if any
3. If you need to actually work on getting a credit issue resolved
4. Do you have sufficient downpayment?
I have 2 local Antelope Valley Lenders that I recommend to potential buyers, please call one or both and have a discusssion with them to determine what you can or can't do right now in purchasing a home:
Paul Porteus w/Prospect Mortgage Company
Online application: http://www.PaulPorteusLoans.com
Joseph Fernando w/Peformance Mortgage
When you are ready to look at homes, I'd be happy to assist you, but step 1 does need to be speaking to a Lender.
Best of Luck,
Tamara Stoebe, REALTOR/Notary
GRI, e-PRO, CHS, QSC
DRE License #01827461
Prudential Troth REALTORS
1801 W. Ave. K
Lancaster, CA 93534
Fax (661) 422-3006