There is a program through the State of Texas that gives down payment assistance to RN's which might suit you better due to your income which gives you 3% towards your down payment assistance. All of these programs have income limits and most mandate that you stay in the property anywhere from 5-10 years. Now, there's also a program that gives up to $20,000 towards your down payment and closing costs provided you stay in the home10 years and is only for select areas vs. being valid throughout the State of Texas. In addition to these programs, you may also participate in the Mortgage Credit Certificate (MCC) tax credit program which gives you up to a $2,000 tax credit each year as long as you stay in the home. As your Realtor, I would assist you through this process and connect you with an experienced lender who can handle the loan and down payment assistance and MCC programs for you, even if credit repair is needed, we will still be able to work with you and help you to get to the point where you can obtain a loan. Please feel free to call or e-mail me to discuss in greater detail.