When I see a question like yours posted in a public forum it confirms for me that many folks have been reading and listening and taking the right actions. Fixing one's credit is indeed the first step.
As others have mentioned, calling a mortgage professional can prove benefical. Many hesitate to do this and it is understandable. Perhaps you are more comfortable with selecting from a list of options.
You will find the best resources will be from those lenders who have a history of investing in the local economy via small business loans and home mortgages. These, resutls based lenders are graded "A' and "B' while Bank of America, Chase, Wells Fargo, Citi and Never Ever Bank of Clearwater FL are all graded "F"
Simply enter you zip code or city and select an "A" or "B' graded lender and set up an appointment. They will set up a schedule and program to get you whole again. When it comes time to buy your new home, be loyal to those who got you there.
Do not overlook local credit unions. They will not appear on the list. They are 'hands down' the lowest cost providers of home mortgages.
Contact a Ozark AL real estate professional and get more information..
Don't use that 'Contact' button.
Don't use Trulia email.
Go old school and pick up the phone, if you are serious.
Best of success to you,
Annette Lawrence, Broker/Associate
Remax Realtec Group