You're closer than you think!
Many people have found themselves in this situation. Luckily, there are programs available. If you need a Realtor who can put you in contact with the right individuals and not desert you during the process, contact me. It may take some time, but we will get there. (It all depends upon "what" is on your credit, as well as your debt-to-income rations, etc. I realize you can't get there until you know what to do to.
I would be honored to earn your business, or anyone else in the same situation.
-Amy S. Arey, Realtor
Halo Group Realty, LLC