Lydia, it sounds like you're making alot of assumptions about what you can and cannot do about buying a home. My advice would be talk to a good lender, if you don't know any I'd be happy to give you some names. They will not only tell you if you can or cannot buy a home, they will tell you what you need to do so you can buy one in the future. I think that should be your first step. Good luck and if you need lender names let me know.