HI Maria, thank you for posting your questions on http://trulia.com
Your question is not a matter of "having to wait or not", it has to do with your overall credit and mortgage approval qualifications. The simple fact of having your credit run does not necessarily mean you have to wait to buy a home, there are more factors that take place, such as:
1) Overall credit history
3) Monthly debts
4) Savings/money available
All of these factors are important when buying a home and a mortgage loan officer can discuss the specifics with you and provide a free pre-qualification and even a free pre-approval.
Feel free to contact me for additional information on how you can become a homeowner in 2010.
Frederic Din, REALTOR(r)