Some great answers below, but if I could add my 2cents, if you want to come up with little or no money down, you will have to wait until March of this year which doesn't leave you much time to get your ducks in row if you plan on buying ASAP. First and foremost you need to work on your credit. No matter what you hear you really need a credit score of 640+ in order to qualify for most low down or $0 down programs in the local area. My best advise is to call a credit specialist to analyze your credit and put you on a path to homeownership. I have written several blogs that explains what you can do on your own, or simply feel free to contact me and I can walk you through it. Most Loan Officers will refer you to a credit cleaning company, but if you follow some simple procedures, you won't need to do that unless your credit report is littered with late payments that are within the last 12 months.
Best of Luck!