You need to sit down with a mortgage professional. You probably need to pay off a few delinquencies before you are approved. You probably won't qualify for a home by February 1st, but it will happen if you take the advice of the mortgage professional.
I can 100% help you. I'm a veteran and have a VA loan specialist waiting to help you repair your credit. Contact me by email and we can get started repairing your reports. You may even qualify for some down payment assistance.
Barrett & Co. Inc
2885 S Jones Blvd
Las Vegas, NV 89146