This is an excellent time to get started by first talking with a loan officer and finding out what you can qualify for! I can recommend a wonderful loan officer here in town who will help you get qualified for a mortgage loan and, if needed, she will help you repair your credit in order to buy a home! Since you have a full 5 months to do this, I feel sure she can help you. Her name is Erika with Prime Lending. E-mail her at email@example.com. Let her know of your situation, when you plan to buy, what your credit concerns are, and let her know that I referred her to you! She'll be glad to help you get everything in order so you can get out there and start house hunting! Isn't this exciting?! Visit my website for more real estate information. When you are ready to start looking, please keep me in mind. I'd be glad to assist you and I am also an Accredited Buyer Representative!