Sunset Valley, TX is quiet and dark sky community. We have the best rebate programs and also the shopping centers are right by the neighborhoods, huge shopping centers that are like only 4 years old. Best part of all? NO PROPERTY TAXES! Only A.I.S.D. taxes!
The sooner you talk to someone about your goals, the better.
Some things that seem like a good way to raise your score, like paying off a loan you already have, can be disastrous to you chances of qualifying for a home.
I can hook you up with some great resources at no cost.
There are options, including owner financed properties which don't take into account your credit scores, but if you're seeking traditional financing I would recommend you do all you can to get your credit scores up. A competent mortgage banker can help you determine your best course to do just that.