Anthony the two steps you need to take is to first meet with a local and trusted mortgage company, you can get prequalified at no cost to you. Your income is on the lower end but depending on what you owe and what your credit score is, as to if there are any programs. If you do get preapprove dthen your nest step is to find a buyer borker. If you do not qualify for a program now, perhaps try to find a long term lease purchase so you can build credit towards a future purchase. good luck with your search.