To be honest, and not put off the question, you need to speak with a lender. They can have a free conversation with you, about where you are at and what, if anything, you can do to improve your situation and get a home later. I work in Tucson and the only lender I recommend is Paul Volpe at Nova Home Loans as I have referred him to over 20+ clients with no compliants from any satisfied clients.
It is a free conversation to have and he can help you. Agents and Realtors have no business telling you about a loan or lending. That is the mortgage persons job and information to share, correct information.
Best of luck.
Tierra Antigua Realty