If you are looking at purchasing in September, it would be a good idea to develop a relationship with a reputable local lender now. You should gather your financial info (debt obligations like car payments and credit card balances, income, assets, etc) and sit down with a lender that knows your community. Interview a couple of different ones! Of course you'll need to ensure your debt load with the new mortgage is manageable in relation to your income. There are likely things you can do between now and September that will put you in a better position to qualify for that loan. Good luck!