You cannot qualify for anything now. You need to increase your income, reduce your debt and improve your credit score.
What Gregg Pomeroy does NOT include in his reply is that property taxes and maintenance is expensive in Westchester County. Even if you were to buy a cheap 1 bedroom co-op, you need to be approved by a co-op Board who may reject you based on your finances - EVEN IF your lender approves you for a mortgage.
The average prices for houses in White Plains is $700,000. You can get a fixer upper for about $500,000. but no lender will approve you unless you have $200,000. to fix all repairs. Sellers are not going to spend the money to fix repairs. To afford a house in White Plains, you need a $200,000. income. Since you only make $42,000., forget buying a house. By the way, property taxes on a house in White Plains = $15,000./year.